I do already contribute 15% of my salary to my 401k.
Single parent, late 30’s if it matters.
My retirement contributions through work can’t be reduced. It’s a state retirement plan. I actually contribute 6% of my salary and they contribute 9% of my salary. I can also contribute to a 403b and I 457 but there is no matching on those.Â
Before divorce I was fully funding the HSA and roth but I can’t afford to do both now.