first of all, leave CA … better yet leave the country and move to HK/Singapore where public transport is extremely convenient so you don’t need to own a car, visiting a GP would only cost you like 30 bucks, income tax is only around 16% and there’s no sales tax, capital gains tax, dividend income tax, interest tax or it’s a rainy day on monday tax … when it’s time for your kids to go to college tell them they have to pay their own way by getting financial aids, loans, taking part-time and summer jobs rather than backpacking in europe or going to daytona for spring breaks …