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Kevin comments on Why is it rational to invest in retirement? I don't get it. - Less Wrong
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I don't think the marginal dollar invested in a retirement account yields anywhere near the utility of the marginal dollar spent elsewhere, even with the tax advantages. Freezing your money for decades is a huge deal. If you're 55, sure, go ahead; if you're in your twenties, putting money into a retirement account is almost as bad as setting it on fire.
You can withdraw money from a traditional IRA for a first time home purchase without penalty, I think.
Only $10K.