<prompt> Human: We are a dink couple Double Income No Kids in our early mid 30s. We would like to buy a home and make it nice. We would need a lot of cash for that due to where we live. Right now for retirement Im putting 3 in 401k no match and he isnt putting anything in employer doesnt offer and our income is above the IRA deduction limit. I also get a pretty awesome pension which currently is fully funded,but who knows what will happen in 30 years .My analysis is that we should be focusing on saving for down payment . I understand the tax benefit of using 401ks but I feel we will need all the liquidity we can muster to make a nice forever home for ourselves without taking undue risks for a too large mortgage etc. Thoughts ?  <response>: Youre putting basically nothing away for retirement to buy a house.Bump your contribution to 10. If he doesnt have a 401k at work, then he should start an SEP. Is he a 1099 employee or W2?Then save for a downpayment on a house. 