Max out or not maxing out 457(b) and SIMPLE IRA: No way to catch up?

My wife works at a job that has a state pension and an available 457(b), while my job offers a SIMPLE IRA. Our plan for 2026 is that we would like to max out both the 457(b) and SIMPLE IRA, and also max out our Roth IRAs, which would be $56,500 in combined pre- and post-tax dollars.

However, our base household income does not support this level of saving. With our family of four living expenses, we would be about -$1K each month if we maxed everything out. We can make up the difference with OT, vacation buyouts, and gig side income, but we are worried that this is not sustainable, especially since retirement is a long game measured in years and decades.

One strategy might be to not max out our 457(b) and SIMPLE IRA paycheck contributions, but I learned that unlike 401(k), there is no mechanism available to top off these accounts after the fact - all contributions must be made by paycheck deduction. So if we went this route, we are basically leaving tax-advantaged money on the table.

So I'm wondering: what are our options to aggressively save while also staying within budget?