<prompt> Human: Saving 15 oh my pre-tax income comes out to just over 275 per paycheck. I can really only afford to stow away about 325 overall. What this means is i can contribute 4 to my employer matching 401k. i can just about max out my Roth IRA, but this leaves me with a negligible 1,300 per year amount of money that i can stow away for a healthy down payment on a house. am I shit out of luck? do i save less than 15 for retirement so that i can work towards a house?edit: im 24 with a 47,900year income with a hope of being able to buy a 200,000 house at some point  <response>: Sometimes you cant do it all at once. So you have to prioritize.If buying a house is more of a priority for you than socking it away for retirement, then try to find a balance between your 401k dont leave free money from your employer on the table, and saving for your down payment. 