Even if you find a job you love it’s important to save. There is always a concern especially as one ages that they may become disabled in a way that severely impacted income
The answer is that I have not, and I probably should. But my only point is that everyone seems to think that this solution is a slam dunk, and I just don't think it is.
A 401K account is tax-advantaged and can hold everything from mutual funds to T-bills. It is absolutely a mistake to not invest in one unless you never plan to withdraw.