<prompt> Human: Hi there,My wife and I will be buying our first home before long. She makes a good salary, whereas Im finishing graduate school for context, when we buy the house Ill be landing a high paying job. Her company matches 401k contributions, so she has been funding her 401k up to the match limit for the past few years. She has recently been wondering if it would be a good financial strategy to do one, both, or neither of the following: a stop contributing to 401k and put that money instead into savings in anticipation of a down payment and closing costs. b withdraw her 401k early and pay the fees, and apply that money to the house. As it stands, she feels like it is wrong to be putting money anywhere other than the house, but financial inertia is keeping her in the 401k game. What are your thoughts?Assistant: Dont change anything and save for an actual down payment when you get your job. Whats the rush?Human: Desire not to throw money into the rental pit anymore!  <response>: Rent is money in exchange for housing. Its not throwing money away. 