Why shouldn’t I sell my 401Ks and take a massive tax hit and buy a small chunk of land outside of the high-demand city in which I plan to retire?

I've designed and built tax software for 10+ years. I'd rather own a little bit of land at 40 than a lot of tradeable securities at retirement.

Idc what the penalty is, who knows if they'll move the retirement age. It was set at 65 when people died at 66.

I could also rent a shitbox apartment nearby while I slowly and carefully build a modest hobbit hole for my homestead.

Not one of those dream villa nightmare builds, I'm talking about a cozy nook for someone who spends as much time in his garden as he can.

I guess I'm looking for something like "if you sell all the stock at once and then use it to buy land in 5 years" sort of wonky BS pot hole that only ever hurts the tiniest cases.

Thank you so much in advance 🙏🏼