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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We've always made significantly less than you, OP, and yet own a home in a nice suburb of DC and have enough to pay for college and retirement. We lived extremely frugally when we were younger, however, and invested in stocks early on that have done well over the decades. You really must start reining in your spending and investing what you can, except that your time-frame will be much shorter.
[/quote]

DH and I have always made [b]way less than you[/b] as well. But, we’ve had the financial discipline to always take the high road and live within our means. We’re in our mid-40s and have $1.6M saved in our 401k, $750K saved in 529 plans for our three kids, a taxable brokerage account with $600K, and an online savings account with 36 months ($150K) of net living expenses for emergencies.

Maybe it’s time to stop spending so much of your money on buying the latest car and cell phone model every two years – take the bus like we do. Lose the cleaning service. Stop eating out and actually cook your food. Stop taking vacations – save that for when you’re in retirement. [/quote]

With respect, do you have student loans or medical bills?[/quote]

Not OR but I always made WAY less than OP and yet paid off my student loans as soon as I could.  And I pay my medical bills.  
The only solutions for OP is to either earn more money or live more modestly.  Which one is more reachable?[/quote]

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