<prompt> Human: Im debating whether we should max out the Roth 401ks and Roth IRAs or doing the min for the match and saving to buy a house in 100 cash. Should we save up over the next few yrs to reach 200k in cash or put roughly 50kyr into retirement by maxing out 401ks and IRAs?Numbers:- Wife and I are 31, currently renting. Probably wouldnt buy for at least another 6 months min anyways.- make about 140kyr- about 65k in mutual funds- about 25k in emergency fund- avg beginner home is about 200k- have 120k in Roth 401ks- have 50k in Roth IRA- companies match first 6 of Roth 401ks- currently doing max Roth IRAs and 6 into 401ksEdit: no debts either and barely any expenses other than rent.  <response>: Mathematically, if Mortgage Return on Investments, youre better off borrowing. Even more so if you will be itemizing.Not to mention the opportunity loss of being able to contribute the money to your retirement accounts. 