If you used your head along time ago when you started this job, you would only have to put 10% right now. That's why you have this problem right now. You never put into the 401K, and probably never have to this day. And your comments about putting things into a guys truck will cost you more if it goes to court. You might want to look for a used tent at garage sales.WILL YOU TAKE PAYMENTS? YOU SEE I HAVE TO PUT 50% OF MY CHECK IN MY 401K SO I CAN MEET MY RETIREMENT GOAL AGE OF 79!