有什么minimum的要求吗？存放时间长短？我们一直都是chase.

CITI的信用卡有。

我觉得你可以从现在开始， 每天抽出1-2小时， 学习理财。

2个月以后， 你就是专家了

there are 2 things you can not avoid, tax and death. there is no easy way to not pay tax and save more money.

有道理。。

可是每次到家，收拾一下，吃饭，然后洗洗，就差不多了。顶多网上瞎逛逛。上班也是劳心劳力。commute时间也比较长。。。没事干的时候就想懒散一下。。

真要是有了孩子还不知道怎么办。。辞职不干？

那你觉得我们是把两边的401都放满吗？好象是个人都是max out.

Why not consider purchasing a house? You are paying $2000+ per month anyway. Reduce your 401(K) contributions to save money for the down payment. If you can’t come up with 20% down, look for 80/20 mortgage loans to finance your house and also avoid Private Mortgage Insurance (PMI) you would otherwise have to pay if your down payment is less than 20% of purchase price.

80/20 refers to the percentage of the value of the home for each mortgage. The first loan is for 80% of the value of the home and the second loan is for 20% (down payment) of the value of the home. The second loan usually has higher interest rate than the 30-year fixed rate 1^st mortgage and the term may be a little shorter too.

For example, assuming that the purchase price of the house is $600,000. Under 80/20 scenario, your 1^st mortgage and 2^nd mortgage is $480K and $120K, respectively. Assuming the 1^st mortgage is a 30-year fixed rate loan at 6.10% and the 2^nd mortgage is a 15-year adjustable rate at prime, your monthly payments for

these two loans are approx. $2,900 and $1,160, respectively. This makes your total monthly mortgage

payments of $4,060 (of course property taxes need to be taken into consideration as well). Is that amount

feasible to you if you and your spouse reduce the 401(K) contribution temporarily to invest in a house?

谢谢美女的分析。。。

4000多差不多是一个人的税后收入了，再加上property tax,还是很紧张的。还要吃喝。 粗算property tax 每年也是一比不小的数目。

现在房市场也不是很稳定。还在跌。想趁这个机会攒攒钱。而且两年后工作地点还会有变动。所以一时不好决定。

It's kinda hard to save a little extra money with limited income.  Well, I guess it depends.  There are many ways to save money, such as limit the amount of time dinning out, cut the entertainment expenses, etc. 

You certainly could reduce the 401k contribution.  The retirement funds can be managed by you or your financial advisor, if there is any.  One thing for sure is that, in order to achieve the maximum return of your investment, you will have to do some research and study.  No easy money, isn't there? 

There is a post in this board that has discussion about withdraw money from the retirement account.  It is not recommended, however.

This is a very broad topic.  Any ideas, recommendations and suggestions to help LZ are welcomed (will be rewarded as well).