Besides the answers in the previous posts (Roth withdrawals, HSA, HELOC, tax deferred retirement account income, business expenses), for some households with expenses at or near the cliff, it might be more beneficial to focus more on optimizing / lowering expenses and getting the ACA tax credits instead of part-time work for extra income. The extra income is usually taxable (federal income tax, social security and maybe state income tax), often adds in job and commute expenses, too, and might mean a loss of $10K - $20K in ACA tax credits...