What do I do if I forgot to add 401k earning for 2016 now government coming after me for insane amout I can't afford to pay

[fanfare]

you can apply with IRS for an installment payment plan.
Interest charges will apply.

[Critter]

<a rel="nofollow" target="_blank" href="https://www.irs.gov/businesses/small-businesses-self-employed/temporarily-delay-the-collection-proce...>

[fanfare]

Who would want to go through that process? besides, it doesn't change anything.

[Critter]

Some people need to if they are in dire straights.