They preach that we should start funding our 401K promptly as we enter the workforce. But is that doing more harm than good?

Yes, most people need assistance saving for the future, and the 401K is a fantastic tool to facilitate compounding interest.

However, we lock this money away during some of the most expensive parts of our life. These moments include weddings, buying a home, and having kids.

Wouldn't it be better to have income today via a dividend portfolio? With a recession coming, would you rather have $1,000/month coming in via dividends?

It requires discipline to build a brokerage account outside of a 401K, but it may be the best way to survive the unknown. It starts with education. Good Luck!