Assuming there is a place available where you can actually buy the land, permit and build a house, run and connect utilities for only $30 k.....
Do you have a clear picture of what your retirement expenses and income will be and therefore how much you need to save?
How long until you retire? How much does it cost to live where you currently do? Why is this a better alternative than buying an existing small home or living in an RV on your own land?
Google present value and future value of money. Figure out how long it will take you to replace that money in your retirement account and how much in compound interest you're giving up. Then figure out how much it will cost to finance your tiny house. IMO its better to get and stay out of debt before retirement.
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