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. "