Dear, you make more than I do....perhaps not our COMBINED income, but I cannot ever see myself making that much. I have a liberal arts degree from a community college. Nothing to brag on. Can you see yourself moving and living in a cheaper place? Are you determined to stay in a big city? Some prefer that. I moved us to Arkansas from Oregon in 2008 and we have a much larger home, for less money/taxes than we did up there. Something to consider anyway.