The richest man in the world believes in using OPM (Other People's Money). To be specific, yours.
There is a sucker born every minute.
(https://external-content.duckduckgo.com/iu/?u=https%3A%2F%2Fm.media-amazon.com%2Fimages%2FI%2F710OpEvH5oL._SL1500_.jpg&f=1&nofb=1&ipt=3b53b9e08d46498c40f6dabc8e25bc18fb6187045494bef38934809447f39947)
The richest man in the world can't afford to keep crashing rockets. So your 401K money can do it instead. Musk keeps a harem, and that is very expensive. He needs to keep his money so he can keep spreading his sperm. If this means people eating dog food because their retirement funds got lost on the way to Mars in a few years, so it goes. The moon is a harsh mistress. Mars is an even bigger bitch.
Besides which.
May Musk die broke.