Always enjoy the show, but a few things that might be helpful:

For the guy who wanted to retire early, you mentioned that money would be locked up... However, he could always get at Roth money (his contributions at least) without penalty anytime. If he quits early, he'll need a ton saved up, and he can pull his contributions out before age 59.5. If he's going to dip into his earnings by that time... he's probably not going to make it anyway and shouldn't be retired/distributing.

Also, he can pull from traditional IRA/401k-type money without penalty using Substantially Equal Periodic Payments (SEPP), or a scheduled distribution over his life expectancy. There are lots of rules/restrictions etc so he should work with his tax advisor etc etc, but it'd work. However, it rarely gets used...

Finally, you mentioned he's maxing out his 401k by putting in 15%. Nowadays you can put up to 100% of pay or the dollar maximum (whichever is less) -- the 15% rule is pretty much gone in most plans unless there's some goofy reason to keep it. However, people still think there's a 15% limit so they don't save as much as they could.