Look, I'm going to make this very simple. You are in debt and/or not building wealth because you are spending more than you make. There are two ways to correct this but I prefer to use both as it's significantly faster. So first of all you need to establish your monthly spending plan so that you know what you have. Next make sure that you free up all of your income that you can. Now you assign every dollar you have a task. Whatever is leftover can go towards debt. For more information see the post on establishing a monthly spending plan.
Next, generate additional income to speed up the process. Remember that your base income will cover all of your bills so all additional income can go straight to debt. Once you are out of debt then apply the same principle to wealth. This will replace the amount you deprived your 401k and then some in the long run. For more details please see my post on freeing up your income.
So just how do you generate additional income? Of course you can sell stuff on eBay, get a part time job etc. Keep an eye out for posts on here that are labeled with the dollar sign ($). I will be providing numerous other opportunities.
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