It will depend on your situation. I personally still don’t love that and would advise people to reduce, rather than stop, their tax deferred contributions. Not only because of its effect on your retirement, but also because you’ll pay more in taxes since you won’t be reducing your agi w tax deferred contributions.

But again, it will vary by person/situation.

I feel for you. I’m fortunate to make a lot of money but I have student loans and live in a HCOL area. It’s very hard to save for a home considering how expensive r they are and the rate you’ll pay.