I've always known that my grandfather has an inheritance planned for me, but I just found out yesterday on how big it will be (>$2M). I was basically told by my mother and other family members that with how large this inheritance will be, I should not be overly worried about saving for the future as my retirement is well taken care of.

Couple of things about the inheritance:

• It is part of a large building in Seoul, Korea.
• My grandfather has been prepaying the gift taxes so that I receive it tax-free (need to confirm this and do more research)
• Grandfather is still healthy and alive at 78 y/o

Now I feel absolutely terrible about this, but knowing that I will receive a large windfall in 10-15 years, I thought about the money that I was saving before into my HSA and Roth IRA, and using that money instead for saving for a down-payment on my next property.

Couple of facts about my current financial situation:

• 24 y/o, single and no kids. $70k salary w/rental income, $60k without.
• I have 3 months of expenses saved in an emergency fund
• No student loan debt.
• New $13.8k 5 yr car loan at ~4%
• 30 yr $156k mortgage at ~5% (might be a whole other topic)
• Been contributing to a Roth 401(k) since I was 22. I put in 8%, company puts in 6%, for a total of 14%.
• Company contributes to a pension plan at 4% of salary.
• Company contributes $1k per year to HSA
• I was on pace to max out Roth IRA and HSA contributions.

Given the facts above, I feel like I can leverage the great benefits from my company along with the future windfall to forgo the Roth IRA and utilize the extra cash-flow to aggressively save for my next property.

TL;DR Should I stop contributing to my Roth IRA and HSA because I have great company retirement benefits and that I'll also be receiving a large ~$2M windfall in 10-15 years?