You're basically ignoring our entire Financial system and how it's built and designed. If any of what you describing is successful in your life then you have a 401k because we heavily encourage them through a combination of tax write-offs and in the case of employers matching contributions as a benefit to attract employees.
You can't just say, just ignore the entire system and live outside of it and be successful outside of the system you're born in. I mean you can but frankly that makes you an insufferable twat. Speaking of which, how are the libertarian primary debates this year?