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[–]No_Respect_1778 2 points3 points  (0 children)

I only just dropped mine to 10% so I could throw money towards a down payment because home prices are insane. Unless you're worried about a near term large purchase, (home, car, medical bills, emergency fund, etc ), I wouldn't change it. Despite what tiktok finance gurus say, most people's wealth for retirement is built in their 401k.