<prompt> Human: I typically max out my 401k contributions only about 27k in there right now. My employer does not match, so I was considering reducing the contributions to 0 for the rest of the year to save money for a down payment on a house.That would give me about 15k more for my down payment.Can someone let me know if this is a bad idea?  <response>: Everyones situation is different - but my gut feeling is to keep your 401k funding as-is and put a smaller down payment on the house.That opens up a whole world of minimum down payment, mortgage insurance, taxes... but with interest rates as low as they are now, take the bigger mortgage and keep paying yourself with the 401k. 