Getting started! I can't accomplish much more without surgery

45 yr old mom of 2 c-section babies. My weight loss journey began in 2013 and now in 2019 I've reached the point where I can't accomplish much more without surgery. I began at 260lbs and naturally loss 105lbs with the exception of 13 weeks of HCG to begin a journey that has completely changed my life. Step one was figuring out what I wanted and then narrowing it down to what was actually possible. What is realistic and necessary for me to externally reflect how I feel on the inside is a breast lift NO implants, Tummy Tuck with muscle repair, liposuction, and a Mini thigh lift. So here are my stats 5'2" , 155 lbs, 28% BMI my goal weight was 145 lbs however after 3 surgery consultations I was told that my weight loss was sufficient for my post surgery goals and that I should focus on maintaining my current weight.

Ok it’s officially in the books, my surgery part 1 is January 6, 2020. I will have a breast lift , tummy tuck with lipo of back/bra rolls. 4-5 weeks after the first procedure I will be having a thigh lift. What I appreciate about Dr.Ogu is his attention to safety. Other surgeons agreed to do all 3 procedures knowing that my anesthesia time would be around 9 hours which is very risky. I have scheduled off 10 weeks for my total recovery and I’m thankful that my job could accommodate my request. I’ve been saving vacation time and money. I will also utilize my STD which pays me @ 60%. In the past with child birth x2 and my hysterectomy i always stay off as long as possible. We don’t miss the 40% income we actually seem to save and manage better off a tighter budget. So I told you I would speak briefly about options to pay for surgery. 1st saving over a period of time as much as possible is the best option which I have done but I’m currently 16k short of my $$ goal. Therefore I’ve researched and #1: I have the option of care credit interest free for 24 months. Which is awesome. #2 :I could open a new trade line credit card and use that interest free for 18 months and gain points on the card for travel . #3: borrow against my 401k , penalty free , income tax free and pay myself back over 5 years. No prepayment penalty . ( Downside Is if leave employment all funds must be repaid in 30 days) however I my job and do not plan to leave. #4 utilize my principal balance in my Roth account. Again no penalties or taxes on the principal balance if I needed the portion that was dividends and interest that portion is taxable. However my principal is good enough. Sooooo my plan for now is to keep squirreling away coins and make a decision in November. I will probably do a combination to keep debt low. Payment in full due December 11. Preop December 18