<prompt> Human: Im putting away a good chunk to max 401K, an investment fund and a rainy day fund. Im just wondering if this is a no-brainer financially or I should consider the detriment of her getting less loans because she is supported. Any input appreciated.  <response>: Continue socking away, to 401K, investment and rainy day funds.Signing a loan agreement doesnt do a whole lot, IMO. Hard to collect.Let her get the loans she needs, contribute what you like.Shit happens, you will never regret maxing out 401K and savings. You may one date regret not having done so. 