I do have an HSA and have already been maxing that out; the 403b is the new addition, and the paid-off house and land are making it possible to do one more thing.
Mortgages are not that common here, either. Most land has been in families for generations. Everyone's expenses are lower, though frankly the standard of living here is generally pretty low, too, lots of substandard and unsafe housing. Not ours now.
Other debt is okay, though I could be happier with it. We use one card for the rewards and pay it off monthly. I have significant outstanding students loans, but I'm on the public service forgiveness program, and the seven-year mark is when those are forgiven, just when I vest in the pension. We've paid off my husband's small student loan. In some ways, I'd rather pay mine off, too, but when they offer a program, I assume they think they're getting value for their money. At any rate, I feel a bit guilty, but on the other hand I'd feel foolish if I didn't take advantage of what they're offering.
Another option for us is to see if my husband has a 457 available. I don't know if he does or not. I need to go through some paperwork tomorrow.
Thanks for all the advice, guys. I'll report back.