Am I over-saving for retirement instead of saving up a down payment? Title, basically. I’m a 42-year old single mom in an expensive city and I want to know if I’m socking too much away in illiquid, tax-advantaged accounts I won’t be able to touch for 20 years, and whether I’m being foolish to just enjoy my below-market rent while ignoring the chance to save up a down payment on a condo or townhouse? (Single-famil…

Am I Oversaving for Retirement? I currently work for a state government and am working for a pension that, by the time I hit retirement, will pay around 51% of my highest (avg 5 year) annual salary each year. With this I plan to retire at the age of 54 as I currently have no plans to leave the state due to benefits, etc. My current salary is $65k, though I 100% expect that to …