Slowing/Stopping Roth/Stock Investments

[Karl McGarvey]

Hey yall!

Was doing a little thinking today, and wanted to solicit some advice/discussion.

Currently, my wife and I put $17,000 into Roth/Mutual Funds for Retirement a year(also do matched 401K contributions but I refuse to give up matching), Because the stock market is at record highs AGAIN, I am debating discontinuing these contributions for the next year or two which could easily turn into another investment downpayment. Thought process being that if the market corrects I will have the cash on hand, untouched, and can turn it into a guaranteed property in 1-2yrs. Then, if/when the market dips again, I will begin the contributions again. Wanted to gather some input because obviously upfront it sounds like a good idea, but there are ALOT of you on here smarter than me. Just thinking of ways to maximize our money while we are young an can afford to take a few risks.

All comments welcome! Would love for this to turn into a great discussion to learn from.

[Geordy Rostad]

@Karl McGarvey

You should look into the roth rules. From everything I can tell, you can withdraw all of your contributions anytime you like without any penalty because you've already paid taxes on them.

I don't know how long you've been contributing but chances are if you've been doing this a while, you already have more than enough in there for the down payment you might need.