<prompt> Human: Im 40 and wife 38 and both work. In the last few years weve debated buying a home, which we didnt, and hired fired a financial planner. This year we need to buy a home for our growing family, we currently rent. I thought home prices were high a few years ago and now theyre insane in California. I kick myself for not buying when I wrote my first post. Im looking for advice on where to invest our cash after we purchase a home. Currently, we have 622k cash, 590k in combined 401ksIRAs, 38k in cash balance pension. Wife also has a pension that is to convert to cash balance next year so I dont have solid numbers on that. Were planning on using 200k to buy a home somewhere in the 650k range. In California that may be a condo. Ive been reading up on Target, LifeStrategy funds, Lazy Portfolios and would like any input as to where to put the remaining 422k cash. We have combined gross incomes of 260k, max out 401ks and the rest goes to cash. When we buy our home most of our income will go to pay it off so I doubt we will be maxing out our 401ks and contributing to IRAs etc. I still want to reach FI but I think this home purchase is going to derail things.Assistant: Currently, we have 622k cashThats a lot of cash. When we buy our home most of our income will go to pay it off so I doubt we will be maxing out our 401ks and contributing to IRAs etc. Thats probably a questionable decision if you make 260K in California, but perhaps you have reasons for this.What are your 401ksIRAs in today?Human: We have 590k in combine 401kIRAs, 38k in a cash balance pension. We were very late in contributing to these. Started when 30.  <response>: I wouldnt worry too much about it, youre at over a million in total assets with 20 of your highest earning years left. Youre WAAAY ahead of the game savings wise, just a slight readjustment could make you do even better.A 1.5MM house would be pretty reasonable at your income and savings, but I wouldnt work to pay it off so fast. By paying 40 in a down payment, you can get a damned good rate so just keep on putting the extra into taxable accounts that will yield you more.If you really want to get tricky in California, you can look up setting up a business you control to buy the house and then pay your business from your personal funds. This will increase the value of your house even more because when you go to sell, you just sell the business rather than the house and use prop 13 to keep the property taxes for when it was last sold. 