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My wife and I are looking to purchase a house in January/February. for the down payment we will be selling some if not most of our stock from our employee purchase discount.

Question being is should my wife and I pull out of our IRA, 401(k, and savings input (put into the IRA account), and put that money for the next several months into a regular savings account? We have a great budget but all extra income doesn't go to savings but to our retirement accounts.

It would seem with our current financial flow that we live month to month but infact have $1.5k going each month into our retirement accounts, and $600 each month going to our ESPP thats could be used for the mortgage and related.

We are both 32 years old, live in Boston, looking to purchase a house for $300/325K. Make $105k combined (gross), $70k 401(k) combined, $15k stock ($20K in January)

Thank you for any and all information...

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