<prompt> Human: I live in NYC and rent. I am looking to buy a home outside of the city in the next year. I have about 100K saved and make 120K a year. I contribute the 5 my company matches, but is it smart to up that to 10, 15 or even 20 and borrow off that when the time comes for a home purchase? Anything I need to be careful of? edit: All great info and what I was looking for. Thank you all!  <response>: Bump it to 10 but never borrow against it. 