<prompt> Human: So Im 27 and I have 2 401k accounts. One from a previous employer with about 20k in it and my current employers has about 6k. I also have a pension where I would be getting about 80k when I hit 55. Im pretty bad about saving money so I only have a small safety fund set up. I was wondering how bad it would be if I took all the money from the 20k account and used it for a down payment on a house. If I am missing anything let me know. Any input would be appreciated.  <response>: Small emergency fund? Want to use most of your retirement for a down payment? Bad ideas.Owning a house is expensive. If you dont have enough for a down payment plus an emergency fund to cover at least several months of home ownership, you arent ready. Get your finances in order, learn to save, and buy when you have something in reserve other than your retirement funds. 