You are living above median spending $800/month on groceries at Whole foods, you comment on unsavory areas for $1500/month rent and hence choose Rancho Bernardo at $2000/month.
The reality is that your income is average and you’re living above median. Median family income in SD county is $66K. Averge family income in SD County is $85K. Since you tithe, you are below that.
For San Diego City, it’s slightly higher at $67K and $87K.
I’d suspect Rancho Bernardo is even higher.
The crux of the issue, given the area you’re choosing to live in, you’re actual near or below median income and highly likely to be below average family income and already living above that in a few aspects of your life.
Or in a nutshell, you’re suffering from keeping up with the Joneses
