I agree with LabRat But I would add: Don’t expect to live in the same QOL style you had. You may have to slash and burn to a life style that does not resemble anything like what you have. If there are kids involved then this could be dramatic, so then consider digging into retirement. It’s not worth upsetting a young persons life that may leave lasting scares. But if you are single or married without kids, then make the investment downgrading your lifestyle for the future benefits. Nobody expects you to live in a $50,000 style when you make $90,000. But having a plan in place when the interviews come will make the transition much easier.