It's kinda hard to save a little extra money with limited income.  Well, I guess it depends.  There are many ways to save money, such as limit the amount of time dinning out, cut the entertainment expenses, etc. 

You certainly could reduce the 401k contribution.  The retirement funds can be managed by you or your financial advisor, if there is any.  One thing for sure is that, in order to achieve the maximum return of your investment, you will have to do some research and study.  No easy money, isn't there? 

There is a post in this board that has discussion about withdraw money from the retirement account.  It is not recommended, however.

This is a very broad topic.  Any ideas, recommendations and suggestions to help LZ are welcomed (will be rewarded as well).