Make your "totality of circumstances" look the best you can. If your income is not enough to qualify, and you have meaningful liquid assets, declare them and document them. Same goes for the Joint sponsor. If somebody has plenty of liquid assets, there's no reason to get appraisals and other documentation for real estate or other non-liquid assets.
401k assets are meaningful but their value will be cut nearly in half, in the Consular Officer's evaluation, because of penalties and taxes involved in liquidating early.