Erek TinkerIn short; Which parameters can you change? a) reduce
   outflow - spending less on housing/food/living expensive b)
   increase inflow - ask for raise 2nd job, side-business, work on
   investments vehicles. You can also borrow from the future to pay
   the present; eat up your retirement funds. That gets eaten up
   surprisingly quickly a little bit at a time (done that) but it's
   always an option, albeit with the consequence of, "ok. now
   what?" at the end of it yet again. That just buys you time to
   think. "