<prompt> Human: I have accrued about 6500 in 401k money from two jobs and can take it out tax free if used for a first home. It would be the difference between my wife and I waiting another year or so and getting in to a rising market right now. Im questioning what is the right decision, because the money is an investment either way, but maybe putting it in the home is just a bigger risk? I would love some perspective. Thanks!  <response>: No. 