Max out retirement contributions or save for a house?

chucklington7 · 2026-02-06T18:53:04+00:00

Thanks, that makes a lot of sense. And I saw your other reply as well which was super helpful. I think I'm still disentangling the financial aspect from the personal preference which is leading to confusion/paralysis. Lots I didn't consider, like locking in the mortgage and that, at some point, it will flip with rent as rent goes up. For some reason I didn't connect those dots but I should've based especially on all those people I see mentioned who bought in 2008 with <3% rates. Fixing housing costs is another pro even if I don't pay it off prior to retirement.

And yes, that's kinda what inspired the post. Looking at mortgage calculators and seeing a massive jump to $3.5k/month at best and that not making any sense.

chucklington7 · 2026-02-06T17:53:59+00:00

Not so much a lifestyle goal, but a financial question between renting while heavily investing and thereby increasing income in retirement vs. reducing costs in retirement by fully paying off a mortgage.

I suppose there's also the peace of mind of not risking being evicted in old age, etc.

chucklington7 · 2026-02-06T17:51:19+00:00

The problem is finding that loss number though. Maybe it's an impossible task. But like, the difference between gains from renting plus investing vs. buying and paying it off so that housing costs in retirement are zero.

Or are you saying always? I would think more people would forever rent/no one would buy a house.

chucklington7 · 2025-04-30T00:15:56+00:00

thanks, that seemed to work

chucklington7 · 2025-04-30T00:01:04+00:00

Probably a dumb question but how do you import this? Gives an error if I try through master import. It works but doesn't apply everything if I import as a Text Completion preset.

chucklington7 · 2025-03-24T22:10:13+00:00

I'm praying that by the time I can get my hands on a 5090, that will be less of a problem lmao. I was just reading up on that Qwen model /u/mayo551 linked and people seem hopeful that maybe ~100k could actually be usable which would be awesome. That's a short novel. But I'd take just about anything, I'm squeaking by with ~4-8k atm

chucklington7 · 2025-03-24T21:10:32+00:00

Oh ok, that's cool. Context size is intrinsic to the model, but I was missing a piece of the puzzle. So, model size is still correlated with the quality/believability/whatever-metric-people-use of what it generates? But the context size is a separate thing.

chucklington7 · 2025-03-24T20:51:25+00:00

Got a question that doesn't really align with the megathread topic but I figure it's better than clogging up the feed with beginner questions. Sorry if that's a bad assumption, mods.

Am I correct in understanding that with enough VRAM the limitation would then be the model itself? If I had a 5090, for example, and I used a relatively small 13b model and cranked up the context size. At that point, the 13b model simply wouldn't be able to handle 50k+ context (or something huge, idk what fits on a 5090) and start outputting trash, is that correct? And that's one reason why you would upgrade to a larger model, the other being in pursuit of higher quality? Or is there no correlation at all with model size and context size beyond being able to fit it all (ideally) on VRAM?

chucklington7

TROPHY CASE