I decided to max out my contributions to my 401k plan starting in January. I thought I would have to lower my contribution in a few weeks because I wouldn’t be able to afford it but then it became a challenge to keep it going. Now we are in March and I am paying for my daughter’s wedding and I am able to still keep the contributions going by cutting out the latte factor. I gave up buying pop from the vending machines and now make my own smoothies at home and bring them to work. It is cheaper and a lot healthier.