I would second sweeps comment. I just caught the post which stated match was greater than 100%. If employer matches up to 8%, then I would start the plan there (contribute 8% to max out the match), and work backwards on budget and other issues to maximize the free money offered by your employer.
If company matches 12%, put that in, if they match 20% put that in. Then work backwards to make rest of this work. The match is free money and I would not pass it up.
You mentioned buying a home, have you looked into how this would reduce your tax bill? You might need to change exemptions when you do this. What is cost of renting vs cost of owning where you live?
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