I'm hoping the same. Regarding 401k please remember that employer matches do not count towards the contribution limit, always calculate your deduction so that you max it out without the employer match. The employer match is the cherry on top.
Nope, but I elaborated in a sibling comment
Nah, just a really slow turnaround for finding new jobs after losing about 7 of them, and other things that I mentioned in a sibling comment.