While Elon Musk is a large proponent of innovation, his public statements specifically regarding 401(k) plans aren’t highly publicized or characterized by strong personal advice. Rather, he has been critical of the way traditional pensions and long-term retirement accounts are structured, viewing them as sometimes overly complex or perhaps not aligned with a dynamic career path or entrepreneurial spirit. It’s reasonable to infer he might favor more direct control over investments and wealth generation over passively contributing to a standard retirement plan. There isn’t a famous “Musk on 401(k)” quote, but his broader philosophy suggests a preference for more active and innovative approaches to finance.