Thank you both for the feedback.
@Terryjm51 no doubt that the car lease is a drag on my finances, but it is one I am willing to keep. I like to balance savings/future with living in the present (a bit) to keep it fun along the way.
@molof I looked into the after tax 401k but unfortunately my employer does not offer it right now. I will keep pestering them about it until they change their minds