Talk to a financial advisor. You can transfer assets from your 401K to an IRRA (non-employer IRA) and buy whatever you want - you can buy stocks, bonds, metals, real estate all under the tax free structure. Had I known about this years ago I would have bought retirement property within my IRRA. You cannot physically use the property while tax shielded - it has to be an investment, e.g. rental, Air-BNB, etc. But as soon as you want to use the property you transfer it out of your IRRA and it's yours.