<prompt> Human: So Im 24, make 70-90k a year, zero debt no house or anything yet. I also know I might have a good inheritance coming my way before the age of 50. My question is, should I be loading up my 401k if I plan on retiring around45 or 50yrs old? How big of a tax hike will I take? What other options do I have? Would it be wise to pay off a house asap possibly some rental properties for cash flow rather than maxing my 401k?  <response>: Until you actually have the money, act like the inheritance isnt there. You have no idea what could happen. 