 Yes, the House is. The 15% total doesn't matter anymore. You max out everything if you can. Keep the government's hands off of it. If you can hit your other goals with the House paid for, I'd max out the work Roth, max out two individual Roths, keep the government's hands off the money. When you're in Baby Step 7, the 15% doesn't apply because you're debt-free. Now we're stacking cash. But if you've got some other goals and you want to keep retirement down at 15% temporarily, that's okay too. This is The Ramsey Show.