Yep. That’s the truth. I didn’t even feel like I was treading water until my late 40s and we were making decent money by any standard. A mortgage, a single car payment, all the insurances (family health, dental, home, car) you need to pay for, data connections (we don’t have cable tv), taxes (FSaLT), and skimming money off the top for a 401k and there’s very little left. Especially with the all the rising prices of groceries (our bill feels like it’s almost doubled) and being subscription-fee’d to death.