I'll add we gross right at $200k. Without my spouses income (and we do live in a modest house), but with two kids and after care and all the expenses that go along with it that $200k gross and what I can actually take as a salary is humbling. I've still got a school loan I'm paying off and a biz loan with about $10k left on it. Trucks are now pretty much paid for. One is and the second I have either one or two payments left.