I mean I absolutely detest Peter Thiel and all, but I don't get why you think having and using a Roth IRA (which is, BTW, not a 401k) is a loophole? I max mine out every year and you should too. You should also recognize that it is to your tax advantage to make your riskiest investments with your Roth account, because sometimes high risk brings high reward, which is then untaxed reward, which is the entire point of a why the government both incentivized the creation of Roth accounts, and limited the yearly contribution to a small ammount to begin with. It's not gaming the system, it's the system functioning as intended.