Emma, How far are you with your snowball?

You on step #2? Will you have more wiggle room after step #2? I did not realize DR said don’t count the 3% match as far as your 15% contributions. Right now Im on step #3, then Im going to plan on bumping mine up the same way as yours. Right now my wife does 6% and I do 6% until we get the 3-6 months of living expenses up.
Your doing good so far with your 401K though, you’re still young =).