<prompt> Human: Im 28, have taken a new job in a larger Midwest city in a different state than I was at, and moved into a decent 1100m for a 2 bedroom apartment close to my new job. Wont find anything for much less in a low crime area. Rent is roughly 14 my take home. The job offer came very quick and so did the move. Ive got only around an emergency fund amount in my savings moved myself to get out of my job and location.A nice two to three bedroom house in this area is around 150k. My buddy has a 900 house payment. In a year when my lease would be up, would it be to my benefit to take 10k from my Roth 10 to 15k from my old jobs 401k and the rest in savings to put down 20 on a home or to save and plan for 3-4 years out?This would destroy about half to 23 my total retirement.This is the area I want to live in and I really like my new job with a strong company so there is no plan to leave any time soon.Edit: The question rephrase Would it be a better investment to stop paying rent to start making a lower house payment that would have a lower interest rate while paying off amortization and building equity but take from my retirement? Is there a sweet spot between the 1 year and 4 years?Also, I could take up to 20k from 401k and not as much from the Roth  <response>: Dont cook the golden retirement goose. There is no reason you shouldnt be able to save up for a down payment. I would sooner slow or stop adding to retirement than pull out what is already there under the tax-free-growth umbrella. 