So your combined haul is around $130K and you have two luxury vehicles, a large home and are paying off college loans. Do you have children? I presume not, otherwise you would eventually have to deal with their college costs.

I presume you are leveraged to the hilt? Are you saving anything in your 401Ks? Be careful because easy street doesn't stretch on forever.

You will find that even if you made $50K more, that taxes and a loss of key deductions still limit your ability to save. Without saving and investing there is no way out of wage slavery. Obama is making this impossible for the middle class. By comparison most people in Hong Kong or Singapore can retire as millionaires. The dumbocrats have no idea what they've done to the American middle class.