<prompt> Human: Curious to understand how to save money for the following situation:- Want to buy a small house in Manhattan, New York in the next 7-10 years. - This means around 900k for a 1BR. - Which means around 180k downpayment 20.- I save around 30k-40k per year.- I have 50k currently saved in Vanguard ETFs.Should I be maxing out my 401k 18k per year? Or saving money outside of 401k, like in a Vanguard account so that its easy to take the money out for a downpayment in the future?Things Ive already thought about:- Take a loan against your 401k. - Doesnt seem a good option. You can only take out a 50k loan, which wont be enough.- Im just talking about maxing out the 401k. I still intend to put in the minimum amount in 401k needed to get the employer match.- There are other options like, dont buy a house in this stupidly expensive city, but for this threads purposes, Id love to just play out this particular scenario.My current thinking seems to be to stop putting significant money towards retirement for 2-3 years and build up enough cash in taxable investment accounts so that I can put down the downpayment for a house in the near future. Would love this subreddits thoughts on such an approach.  <response>: You dont really want to use your retirement savings to fund a house downpayment. You could reduce retirement savings from high to medium to fund the downpayment, though. 