24M. I love to invest and save as much as I can. I have an individual brokerage where I mostly just buy VTI and keep emergency fund in a money market. I am currently putting 20% to my 401k. My company matches 50% up to 6% of salary.
My question is-- Is it wise to keep contributing 20%? Or would one want to only contribute 6% and buy VTI/money market with the rest? Assume a long time horizon and the fact that money for a sizeable down payment would be nice.
Let me know what you think! Thanks.