Ok here’s what I think today. Too much delayed grtification is demoralizing. So, saving for retirement and saving for a downpayment is just too much, it ducks the energy out if both goals. Stop contributing to the 401k till you get 20 percent.

Wait, dammit what is the company match. I hate to leave money on the table

but. …but…

Ahhh… I don’t know. But pmi sucks. Somehow get to that 20 percent. But no bank robberies