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I believe first time homebuyers can withdraw up to $10,000 from an IRA penalty-free and the $10K will be taxed. If that's true, isn't the amount too low to matter? Put another way, I suspect the amount is too low to help significantly with the purchase but large enough to hurt the retirement nest egg. The 13.5% of my salary going into a 403b and long-term capital gains taxed at 5% lead me to think the 403(b) is not being maxed. Of course, OP didn't ask for advice on that and this is not the board for it, but one can't help noticing.

Any thoughts, corrections?
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