<prompt> Human: Hi all, Im 23 years old with a monthly take-home of about 2,600. I live at home no rent and my monthly expenses including food, gym, car payments, insurance, etc. are about 1,350. I intend to put the rest away into some form of savings. Biggest purchase Im looking forward to within the next few years is a condo. Im currently contributing 500month with a 200month employer match to my companys 401k. Right now, I have about 12.5k in that account. I understand that the earlier you start saving for retirement the better, but is there such a thing as contributing too much too early? I feel that since retirement is so many years off, over-contributing to retirement will delay my savings for a down payment.Thanks in advance for the advice!  <response>: No.I did this...actually more than this. I maxed out to the IRS limit for about 3 years...maybe 4. I cant really remember, but it was the few years right before we started a family. Because I did that, I never have to contribute another cent to my retirement account. Based on my projections, and the amount Ill need vs. the amount it will grow, I can just not contribute another dime and at age 60 Ill have plenty. If I contribute enough to get the company match which I still do, Ill be more than fine.What this has allowed me is a bit of financial freedom. When I needed to lower my contributions to pay for day care, it didnt phase me. When I chose to start saving for college instead of contributing more to retirement, I had no qualms about it. I could certainly retire early, if I made that a priority. But what contributing so much early on did for me is allow me the freedom to make other choices. 