Neither do I, or car payments, make 80K (gross), and guess what? I barely break even each month. 18 years ago when we bought the house, I was obsessed with mortgage amortization. Didn't want to pay thousands in interest. So I payed extra to a 67k mortgage and paid it off in 3.5 years. Figured I'd be all set. Wrong. Groceries, gas, and all the bills to run a house add up to 3-4k (net) a month. There's not one major expense, but a bunch of little ones that add up. If we buy nothing during the month, the Discover card bill is still 2k just from gas, groceries, and a few bills. Believe me, I've put the numbers in spreadsheets, crunched the numbers, and it's tuff to cut back. In my case, it's me, Laurie, Ashley (who eats like an adult now), dog, and horse. When you get a family with pets, 3 cars, and a daughter who does show jumping, everything adds up. That's why the ho must continue working.