re: 401k - Putting in more than the company match pros and cons

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The only thing I’d like to do is buy some investment real estate but that takes a while to save up for the equity contribution.

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The equity contribution won't happen unless you start saving now. Yes, you're missing out on earnings and growth in the market but you'll get cash return on RE decades before you see a penny from a 401k. Make an investment plan that's diversified and that you trust and put the wheel's in motion.