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<p>[QUOTE=&quot;windwalker, post: 1672091, member: 38923&quot;]OP before I retired I had a 401b (similiar to a 401k) from a company that did not have a match for many years, but I did contribute the maximum amount I could afford.&nbsp; When I they finally reinstated the company match I boosted my contribution up to the maximum to get all the money I could from their plan.&nbsp; I did the same on my other jobs as well.</p><p><br /></p><p>I told my kids to do the same and to invest it into the stock market.&nbsp; By the time my 25 yr old is ready to retire he can then start switching the funds into the bond market to preserve a portion of his long term capital gains.</p><p><br /></p><p>One of the things you and your fiance sholuld also look into, is that by the time your m/l leaves the hourse to you, the value of the house may not be what you are expecting and if as a couple and own your own house then you can buy and sell you own home as you see fit.&nbsp; This could be especially prudent if you and your fiance want to have children.&nbsp; There is nothing like owning your own home when children are involved.&nbsp; </p><p><br /></p><p>What you future m/l is suggesting may sound appealing but I do suggest that you and your fiance discuss this over on you own without outside input to sway you one way or another.</p><p><br /></p><p>You could also use the 401k as a savings plan for the down payment on a house of your own.</p><p><br /></p><p>You are at an age where the decisions you make today will influence your retirement years maybe 40 or more years down the road.&nbsp; Plan it out together.&nbsp; </p><p><br /></p><p>But you should try and get rid of as much debt as you and reasonably do and live modestly.&nbsp; By all means.</p><p><br /></p><p>edit:&nbsp; at this stage of you life coins and precious metals should be considered to be a hobby and not an investment program.[/QUOTE]</p><p><br /></p>

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