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F-Panda12345 t1_iydf7i0 wrote

401k's are mathematically superior net worth vehicles to houses.

However... You can't live in a 401k...

With that said, contributing say 5% (which will lower your take home income by around 5%) is unlikely to materially change your your house savings in a year. At that salary we are talking around $250/mo less (3k/yr less) to save toward the house, which isn't gonna love the needle really on your home purchase decision.

But if you take that pretax $4200 and put it in a 30 yr index fund and are able to return 7% post inflation, it'll become $34k at age 59...

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