I would say the biggest factor was increasing my 401k contribution. I've maxed it out the past three years and also opened an HSA. It's been difficult at times leaving the HSA alone, but I currently have a balance of $21,000 in it and receipts of at least $16,000, meaning I could nearly drain it with ease in an emergency. The plan though is to leave it alone, let it grow, and use it to balance my tax burden when I retire in 5 to 9 years (still on the fence with that one). I recently switched my 401k contributions to the Roth option. I realized that even if I never put another penny into my regular 401k, between the company match and annual employer contribution, there's still over $11,000 going into my regular 401k account every year. The main focus going forward is to balance my tax burden using the Roth 401k, Roth IRA, and HSA. I'm currently at about a 10:1 ratio of tax deferred vs. tax exempt. I'd like to get that closer to 3:1 by the time I retire.