我家就是这样的。

等两个人都工作了，就放401k。 但是我觉得也需要好好计算一下，因为就算两个人都工作，也不一定放满就划算。

我有以下几个concern:

1) 随着财富的积累，可能以后的税会更高。对前景的预期比较乐观的话。

2) 拿出来的时候年纪都很大了（〉60），那里也不能去，花也花不掉，不见得存那么多钱有多大的价值。

3）我们长远来看，还是会回国发展，虽然不需要将钱全部取出，但是冻结一笔钱在那里总是会有不便。

money "worth" less in long term, so even you have save a lot of money in 401k now, it will definitely worth much less after you retire. Besides, you will have less money to enjoy the life when you are young.

I will never stay at home for a baby for one year. MA give 1 month paid materny leave and our company give another 50% paid month. I think 2 months leave is long enough for the new moms.