45% of the country doesn't have 401K's and I'd guess at a minimum, 92% of the 45% work. Our govt should reward people that work. All people that work. Our bloated as fuck military budget could be better spent on the subject at hand.
Definitely send in extra money to the IRS so they can distribute it to those in need. What's stopping you? Walk the walk. Live your Socialist philosophy.
On the subject of building wealth...
Get a job. Get two jobs. Whatever.
Live cheap.
If your employer doesn't have a 401k you can still open an IRA and contribute up to $6,000 per year ($7,000 for those 50 and over).
You can also still save and invest in tax efficient index funds if you have even more to invest.
Or you could buy rental real estate and make money that way.
Chinese immigrants come to America and sleep on rice sacks while building a business and become wealthy.
No excuses for lazy people who want Uncle Sugar to support them.
Give up the smartphone and 500 channel cable package and direct it to investment. Put a TV antenna on the roof for $25.
Instead of a $200 cable/phone bill I have internet for $55/mo, a Tracfone for $8/mo and $25 TV antenna one time cost from eBay.
$63 vs. $200.
There's $130/mo or so there to save and invest.
Skip takeout and make beans and rice at home. Make your own coffee in a $10 drip machine instead of buying at Dunkin.
Make some sacrifices today for a better tomorrow.
Read books on investing by John Bogle. Go to Bogelheads.org.