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<p>Dyserenity, I’m sorry to tell you this…but 66K per year for gas, car payments, electricity, heat and water is a LOT of money. You indicate car payments of $1000 per month…that is very high. I realized three car payments for new cars can cost that much…but that is viewed as a financial CHOICE, not a necessity. With 66K for those expenses, you are looking at 5K per month…that is more than many families bring home. I’m sorry, but with that amount, some amount of that will be expected to be contributed to college educations.</p>