Any rationale in not maxing out 401k accounts in order to save money for larger investments like real estate

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It’s reasonable to contribute enough to get employer match if you’re using savings for a larger purchase or investment. Over a lifetime, the math will always show you’re leaving money on the table but you have to do what makes sense for present phase of life also.

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I’ve seen arguments in favor of this. My opinion is that if you can max the 50-k to save for retirement, you should. The point of the withdrawal limits on 401k are clear - funds are designated retirement so it prevents you from accessing it any earlier.

Here’s my standard order, max out
- 401K, HSA and IRA then save for any short term investments. This is based on my risk profile.

Would always contribute to get match. After that if you stop for a year or two to save for a large purchase it isn’t going to derail you in the long run.

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