<prompt> Human: Im currently saving 55K annual in my 401k and IRA backdoor Roth on the IRA side, in-plan conversion of after-tax contributions on the 401k side. I have enough liquid cash for 6 months of short-term savings. I live in the SF Bay Area and Id like to buy a home in the next 2 years. But this extreme retirement savings rate will definitely delay achieving the necessary savings for a downpayment, from about 15 months to about 21 months according to my projections. That doesnt seem like long, but housing prices especially in the East Bay have been aggressively rising and show no signs of stopping.I have a few options in this case:1. Save less toward retirement and more toward my housing downpayment in 2017 and 2018;2. Max retirement savings in 2017, then in 2018, defer contributing to retirement savings until the very end of the year, after I save up the downpayment and purchase the house. Push the IRA contribution to April 2019. The main problem with this plan is that for about 6 months Id have no liquid savings and little income remaining after my mortgage payment and retirement savings, so Id be vulnerable to financial emergencies during that window one way to mitigate this would be an interest-only home loan. It would also put pressure on me to close the housing purchase quickly which isnt good. 3. Contribute normally to retirement savings same amount each month and just buy the house later, hoping prices dont rise too much.What would you be your approach in such a scenario? Thank you for any help.  <response>: Option 3. Whatever you do, do not take out an interest-only mortgage 