<prompt> Human: My wife and I are looking for a house, were both 25 years old and our combined income is roughly 116K. We have 70K in liquid assets and another 11K in retirement split between a traditional IRA and a 401K.My company matches 401K half up to 10. My wifes company does not match. I have always felt that if a company is matching, I should contribute fully to get the maximum match. Since we are looking for a house though, should I reduce my contributions to save more to go towards our down payment. Then once we purchase, go back to 10? Or just continue contributing and have a lower down payment?  <response>: Contribute to match. Thats an automatic 50 gain on 10 of your income. 401k to match should come before almost everything IMO. 