I am from Europe. I don't have a 401K, so take with a grain of salt and verify.

401K is inside the sacrificial layer for a Great Taking, so you can't make it "safe", you can only:
- limit how much of your life you leave in that bucket,
- change what kind of claim you hold inside it, and
- use every legal leak (loans, rollovers, withdrawals) to migrate value off-system over time.

So the restrategizing beyond "just take the match" is mostly about sizing, mix and exit channels, not asset choice that turns your 401K into physical gold somehow.

You cannot turn a 401K into expropriation-resistant physical. "Gold IRA" etc. just re-route you to another custodian inside the same legal perimeter.

In a Great Taking event, the Controllers want to:
- Keep "pensions and retirement" visibly alive (low Gross Consent Product constraint),
- While using that pool to absorb systemic losses and lock people into the new regime (forced conversion).

So the 401K bucket is extremely unlikely to be spared; the reasonable expectation is partial confiscation / conversion, not zeroing.
- "We're protecting your retirement with safe new government stability bonds / CBDC accounts" while quietly imposing a big real haircut.

Given that, the question becomes:
- How much of your life do you want inside that mechanism?

Employer match = almost pure arbitrage
- A typical US setup is "100% match on first X% of salary", etc.
- Under almost any regime, including Great Taking, that's (1) instant, risk-free uplift on your contribution, (2) highly likely to partially survive even in a bail-in, because retirement optics are sacred and legitimacy cost of fully rug-pulling matches is huge.

Taking the full employer match is still rational. That's the "least bad" use of the 401K rail.

Above the match: treat as "captive, haircut-prone annuity".

Above the match you're trading:
- Tax advantage now vs
- Being locked inside a privileged expropriation target later.

So:
- Always take the full match.
- Be very skeptical about large contributions above the match, unless you're deliberately using the 401K as a future state-managed annuity, and you're comfortable that your real SoV lives outside (physical gold, self-custody Monero, BTC, real assets).

A lot of people will still choose to max 401K for tax/accounting reasons. I'd cap 401K contributions at the match (or modestly above),
and push incremental savings into off-system SoV instead.

There are some legal ways to leak value out over time. You'd want a gradual "escape plan" for 401K money as you age and rules allow.

E.g. early, penalty-free withdrawal windows (55+)
US rule of 55:
- If you leave the employer in or after the year you turn 55 (age 50 for certain public safety roles),
- You can withdraw from that 401K without the 10% early penalty (still taxed as income).

This is an early exit hatch to pull some value out, accept tax hit, reallocate into off-system SoV before a possible systemic Taking.

All in all, position 401K as state-managed annuity in your personal stack, not your core SoV.
- Core SoV = physical gold, self-custody Monero, BTC, assets outside the most capture-prone custody rails.
- 401K = "I'll probably get something from this after they're done patching the system, but I'm not betting the house on it."