 what you're seeing incorrectly is the fastest way to get them all addressed. It's not simultaneously. It's completely stop your retirement. Don't take anything out, but stop adding to it. Clean out your emergency fund and step on your lifestyle with a muddy boot. Live like no one else so that later you can live like no one else. No discipline seems pleasant at the time, but it yields a harvest of righteousness. In two years, you could have your life back.