Another job is not an option. The possibility of me finding a job that pays as well as I get paid right now, even though I am very underpaid (I estimate they would have to pay someone at least 20% more if they had to replace me), are slim to none. Unless I get laid off, which isn't likely, I'm here for the duration.

I am going to go out on a limb this year and cut back my payroll deduction to my HSA account a little. This past January I went into the new year with just a couple hundred in my account, this coming January I'm going in with enough to cover my full deductible of $3500. That money can go to paying off bills. Then, if I get a decent raise in March I can bump my 401k donation back up some, enough to at least get a partial company match anyway.

I'm already planning on working part time at retirement, or, if I have my web design business going good then, that will be my part time work.

I already have my 401k set up for a good mix of profitability and risk. I just never had the opportunity to have a 401k until I started with this company in 2005. In the 2008 crash, I had co-workers who lost more than I actually had in my account. LOL