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.