<prompt> Human: 26 years old. Married. No children. Wife currently does not work. We live overseas and we do not pay rent or utilities. 90,000 a year take home. 3300 net every two weeks travel allowanceExpenses are 1700 a month. groceries, car, entertainment, etc.10k a year for traveling. This is important to usCurrently6 of my salary towards my 401k 210 per pay check4 is matched by my employer at 100401k: 35k Savings: 70kI do not have a Roth IRA.And we dont own anything else except for clothing and an asshole cat.Our financial goal is to be able to purchase a home cash or at least be able to put 65-75 down. Realistically nothing more than 200,000. I just dont enjoy the idea of a large mortgage. I know this seems like Im doing it wrong and I am not contributing enough towards retirement. So let me hear it. All I read is how money in a savings account is losing money and its stupid. I understand why. But I enjoy the flexibility and having it liquid. My comfort is important to me. I am contemplating raising my contribution for the rest of the year to 12-15. Thanks  <response>: I make quite a bit less than you, and I max mine out. The way I see it, Id rather pay my future self than Uncle Sam. 