<prompt> Human: I live in California and the housing market here is on a pretty steady climb and I am wondering if I should act now by withdrawing the 24,000 in a 401K I have from an old job I now have a state job with a pension program which after taxesfees would come to about 15K, combine that with the 15K i have in savings to dump into a 1037; down payment on a house. In my current situation i am able to save about 2500 a month, I just worry that if i wait the houses that are currently in my price range will be more expensive and unaffordable.  <response>: Buying out of fear is the worst possible reason to buy. 