I hope you aren't touching 401k and keep it for retirement or rainy day.

Just to give you a warning that since your husband barely works if you ever divorce him, you most likely will pay alimony to him (if you stay much longer). My husband makes a little over what you make and he pays around 1/3 of it in alimony, total of 10 years of paying. His ex could never keep a job, either quit or was fired. So longer you support him, more you'll pay him in divorce. So pretty much you are screwed either you stay with him or divorce. You'll be supporting him regardless.

Please at least protect yourself for old age