<prompt> Human: My wife and I are in our mid 20s and would like to buy a house in 3-4 years. We have been putting our savings into a savings account and putting no money towards IRAs or 401k or investing it.We are saving about 18k per year, and expect this to increase by a bit each year. Houses in our area are about 150-210k so 3-4 years of savings would give us a nice down payment that avoids PMI.Based on our time frame, does this make sense or are we missing out on easy returns?Thank you!  <response>: Dont ignore retirement accounts for a house. Houses will still be there. Your tax advantaged space disappears each year. 