I'm for increasing the DC up to the point where the company almost maxes it out for me and I'd love to see the HSA company contributions increased as well.

The problem is that the IRS determines the maximum we can put into these two tax advantaged account types. Is there any way to lobby to get these limits increased? Or are there other POST-TAX (but tax advantaged) vehicles that are not limited by 415(c) that can be our money, in our name?

I'm already doing as well as I can with the HSA, 401(k) and 401(k)ROTH accounts, protecting my earnings from taxes either now or later. I'm just thinking of options for MY money.