Yes, I've been upfront about the error, acknowledged it, and I've edited the original post.

I still stand by my assessment it's not cool to nudge people not to save.

There are many people who'd like to save, but don't have 401ks. (Ex: students doing internships, contractors, or people working in the service industry)

The limit for a 401k is ~18k IIRC and ~5500 for an IRA IIRC. If you had say, 10k from a summer internship, you'd put the difference in a normal, taxable brokerage.

Having a brokerage account does not mean one is affluent.