Maybe I missed this, but if you are concerned about adding to the 401k balance up to the limit, why not also make contributions to an IRA? You mention limits (I'm unsure of them) but if you are a SAHM then you have no income, so it shouldn't matter.
Also, consider upping your life insurance. If something happens to you, your husband will need help with your child (daycare/nanny) and around the house. Also, your child is very young so this assistance could be needed for quite some time.
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