On 401K, I am contributing around 10% of my paycheck and my spouse around 20%, this year we estimate that our (just ours and not adding employer's) 401K contribution will be around 22K. Only my spouse has HSA so she is deducting around $256 each paycheck (approx total annual contribution / decution = $6656, which we are paying for our installment Out of Pocket medical expenses for). Thank you.