[tostitos1979]

I was "over contributing" to my 401K for years ... I realized this when it came time to buy a house and fork up a down payment. I was rich in 401K but not in liquid cash :( Still no house but do have dependents, etc. Depends on your situation of course.

Btw ... kudos for living at home while making good income. It is very, very easy to go on the hedonic treadmill and rent a fancy apartment, but a nice car, etc. The longer you can maintain a student lifestyle, the better off will be your pocket book.