<prompt> Human: I would like to give my nanny a raise. I was hoping to wait until January when Im likely to get a slight raise and then give much of my raise to her, but she has asked for one now and Id like to do it if I can. Quite frankly, we underpay her for our area. There is nowhere in our regular expenses we can cut right now. We have looked. I see three areas we could cut back on to give her the raise: My 401K I currently save 10 of my income, but its well below the annual limit Our kids college savings accounts Our church weekly offering the amount of raise I want to give her is roughly equivalent to our weekly offeringOf those three options, which would you choose?One more piece of probably important information is that we are likely to keep her on full-time only for another year. After that the younger two will likely be able to go to less expensive preschoolfull-time care, and the oldest can go to after school care at the moment, our nanny is more affordable than other childcare options. So wherever we cut is not a long-term thing.Edit: I should note that I have my opinion but am curious to hear others thoughts.Edit: Thank you very much. I will discuss this with my husband and we will come to a decision.  <response>: Church weekly offering. Out of the three you proposed, that one has little to no impact on your financial prospects. 