<prompt> Human: Im looking to buy a 300k house eventually in my area.Im currently renting and saving for a down payment fund, shooting for 20 down payment before I buy.My wife and I have 24k in down payment currently allocated with plans for it to hit 60k in just over a year. If you count all of our other liquid and semi-liquid investments, I have around 60k right now. Among these are: Queued IRA contributions trying to max it this year for the wife and I, and emergency fund.I have a fairly stable and well paying job and my wife is a stay at home wife. Our only debt is 15k on a vehicle, to be paid off in just under 3 years.Question:Whats the better financial option?a Dip into the emergency fund and queued retirement funds in other words, dont contribute to retirement this year to buy a house as soon as possible and stop throwing money away on rent.b Continue throwing away money on rent until the down payment fund grows naturally.Thanks! Love the sub.  <response>: Buying a house is not an emergency. Thus, it doesnt seem like a good use of emergency funds. 