I would ask hubs to reconsider IRA until a vehicle is paid off, than the vehicle extra funds can go into the IRA. If he dead set against it, then cut back on the kids college funds. You didn't say how old the kids are but looking at your pic I would say young. So pause on their savings. I would not touch your tithe. You are doing awesome with that. There have been times when things were super tight for us but we were faithful in our tithes and God always provided. The beauty about The Budget Mom is that you can modify and adjust based on what your priorities are, no rules on the method. Focus on that. Also, my motto is, you can do anything for a short period of time! So if it's a couple of days of bean soup to bring down the food budget, cutting out Netflix, holding off on kids savings, or holding off on IRA contribution amounts, you will get through it. Hugs