I am so incredibly envious of American tax-advantaged retirement funds. Our government mandated retirement fund in Germany is a massive sham on the verge of collapse. There is no way for the average employee to retire before 65/67. Even if you have contributed a lot to the government pension scheme, they will comp you 0.5% of your lifetime pension for each month you go into early retirement.

We have nothing like the 401k/roth/IRA and it sucks.