<prompt> Human: Ive always wanted to be on point with my finances and as luck would have it, my first job offered me a 401k with really good matching. With max contributions theyd put in 5,475, so Ive done this every year. Most of their options were quite expensive though, with the exception of two stocks. To compensate for this, I created a bond-only IRA, which Ive also been contributing to.As a result of being good about my retirement savings, my house savings have been less than spectacular, so Id like to make a change. Im trying to figure out the best thing to do. Salary: 76kyr 401k contributions: 1,500mo Net pay: 3,100mo af tax and 401k Living expenses Rent: 1,150 Utilities: 160 Groceries: 300 Eating out: 200 Gas: 150 Insurance: 100 Cell Phone: 60 IRA: 460 Savings: 520mo Financial portfolios 401k, IRA, Saving: The largest expenditure is my 401k, so reducing the 401k contributions is an option I guess. I really dont want to lose out on my company matching, though. My company matches 100 for the first 1,500, 50 for the next 1,500, 33 for the next 7,500, and 10 thereafter.Appreciate the help in advance. Should I reduce my 401k contributions, or are there any other ways to increase savings?  <response>: There are a couple of ways you can use your retirement funds for your first home purchase. They arent a comprehensive solution, but they might be of some use to you.Is your IRA a traditional or Roth? If its a Roth, youre allowed to withdraw your entire principal 10,000 of earnings when you buy your first house, penalty-free. Traditional can also do the 10,000 of earnings, just not the principal.In addition, some 401k plans allow you to do a loan to yourself for home purchases. There are some admin costs my plan is about 50 per year, but it allows you to use the funds now and replenish your retirement coffers afterwards. 