It's just the reality of life here I need the home to expand business I'm currently working out of a rental with 2 trucks and 2 full time employees and my wife. You can get a tear down house for 300k so it is what it is. With 6k disposable income a month and 2k mortgage we will be ok and could always get jobs to cover it if business went to hell/sell it. I don't spend money on anything and we've already saved 40k since late February on top of our expenses and truck repairs etc. I'm sure our income will get past 100k eventually but we can make it work for now. I have not bought anything I didn't need in several years, my wife doesn't spend anything on herself other than face cream. I only like to spend money on travelling.