<prompt> Human: I am 23, making 52kyr. My parents have always put a huge focus on retirement savings, so I am very hesitant to make any changes to my current savings plan. This is my situation:nbsp;No DebtSavings Acct: 15kCompany 401k: 13.5k Contributing 400monthRoth IRA: 32k Contributing 5,500year nbsp;I live with my parents for the time being but am looking to move out here soon. Since Ive been living with them, I will have to furnish my new place myself, which will probably be around 5k let me know if I am overunderestimating this. I want to rent for as little time as possible before I put a down payment on a house, so I was wondering if I should back off on my 401k contribution company has a profit sharing, not a match program to beef up my spendable savings. If I stopped my contribution and my math is correct, it would raise my take home pay by around 280 - 300month. Thanks for the advice!nbsp;Edit: Thanks for all the advice, everyone! I read every comment even if I didnt reply, and I have a good feeling of which direction I should head. This sub is awesome. Youre all awesome.  <response>: Overall you are doing great. I agree with the others that your savings rate is not too high.The one thing that jumped out to me in what you wrote is that you want to rent for as little time as possible. From a financial standpoint, owning can be better in some situations, but usually NOT for a young person getting started in their adult life. The extra flexibility renting provides for those first few years is a kind of investment in itself.In my early 20s I rented a single family home with 3 other guys. That was definitely the most fun period of my life. 