<prompt> Human: If I max out my 401K I can probably only buy a house in the range of 200 to 300K but if I did the regular 15 retirement savings I can buy a 300K to 400K house. However if I max my 401K savings out house prices might increase so much in the future that if I decide to sell down the road and buy a bigger house I might not be able to afford it until I withdraw from my retirement. How do you decide between this?  <response>: Why do you need a bigger house? People should not buy bigger houses simply because they can afford it, but because they need it. Also, if home prices increase, and you have purchased a smaller home, it too will have increased in value. It will be very easy to upgrade if you like. 