Rustico you are not alone. Our household income is well over $200k a year. We live in a condo we paid cash for in 2000 for $120k, drive a 2001 Toyota, and have no debt. What do we do with our money? We take the summers off and stay in our trailer (white trash villa with wheels) at the beach in the South of France. The rest we save, save, save and we are retiring in two years at the ripe old age of 53…we all make choices in life, unfortunately many are swayed by all the hype that you should buy “the most house you can afford” and other pearls of wisdom put out by the same people that profit from them.