Saving 12 % is difficult at my current income. The only thing I could cut is my occasional eating out. My current plan is to increase my income and then try the 20/50/30 plan where I save 20% of my income, use 50% for necessities, and spend 30% on lifestyle.Get better at problem solving. Comp Sci is great. I was never a great programmer but, the technical analyst skills were excellent for making a lateral move in business.
According to RooshV, nothing with a HR.
If you cannot save now, you won't later. Save minimum 12% on every dollar. Talk to a financial advisor. See if your workplace will match or double your contribution.
Seek other sources of income and information to make moves.