<prompt> Human: Im 29 and single, no debt, 67k salary. Im preparing a mortgage loan for my first home, a condo in Dallas. I have offered 170k and have 16k to put down, but I intend to put down an additional 10k from my IRA 100,000. It seems like the right thing to me because any money I dont take from my IRA I have to borrow at interest. Any thoughts?  <response>: No you should not.You cant get back those years that you put that money into the Roth. And its growing faster than the interest rate on your mortgage. 