<prompt> Human: I have quite a bit of disposable income at the moment and my goal is to save up and pay down cash in full for a house about 130k before Im 30. So about 5 years, but I think Ill be able to do it in 3. My question is should I put away 15-20 of my paycheck and invest into target date fund as well and delay the purchase of a home.  <response>: You can get a mortgage and do both.put down 20 and get a 10 year mortgage. It will cast you about 1000 a month and the total amortization of interest will be about 16,500 spread over 10 years. 