You will suffer severe penalties if you withdraw from a tax-deferred account prior to the age of 59-1/2. I suggest you (1) pay off your debt; (2) start an emergency fund; (3) begin your retirement program, at least to the point that you receive an equal match from your employer and (4) begin your home purchase savings (all in that order). One must remember that upon purchasing a home, there are other expenses, i.e., maintenance, emergency repairs, etc. Good Luck,Donna
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