text:  five years and not fund retirement right i mean you guys can be you know putting some money away for the next year or two for that and then after that down payment is saved then move on to 15 of your income into retirement but with baby step 3b we've had a few calls the show uh where people it's a longer tail so they're funding some retirement and saving on the side you can do both at the same time but for you guys greg i probably would just let that be my sole focus um because you guys are young and yeah i'll get into the housing market so thanks for the call greg