I know you deduct the car insurance but it is too high, shop around, try Wawanesa, two cars of about 30k each and two drivers should be around 30-50% less.
I know tithing has become the thing everyone has jumped on first and you gave a cogent explanation, if it makes you feel good do it. But to rationalize it with biblical references while essentially stealing cable and internet seems like a bit of selective morality, taking from one institution and giving to another. Sorry if that sounded like an insult, it isn’t meant to be, just an observation.
I have to agree with the other posters about San Diego and living on one income. It is noble and valuable but it somewhat unrealistic here without larger sacrifices. I suggest you encourage your spouse to pursue a teaching degree or some vocation where she can earn income while the kids are in school once they are. One spouse doesn’t have to work full time or out of the home to supplement the family income. I don’t see how 90k can do anything other than tread water in RB but I wish you luck. You wan’t to live in an a high priced area, have a stay at home wife, give generously to charity, it’s a cake and eat it too scenario or better yet an appetite for a steak on a hot dog budget, something has to give.
