I’m 33, single (but likely to marry within a few years), and earn about $15k/month after tax. My monthly expenses are around $5k for living, and I currently put about $3.3k/month into retirement savings and invest the rest into the S&P 500.
At this point, I have low six figures in retirement accounts, about the same in taxable S&P 500 investments, and additional savings/cash in the mid five figures.
My goal is to buy a $700k–$900k home in the next 3–5 years, with the largest down payment possible (ideally ~$500k down on a $700k home) so my monthly mortgage stays very low.
Main question: Should I reduce my retirement contributions for the next few years to build my down payment faster, or keep maxing retirement and just let the house fund take longer?
