investing money > just shoving it into savings accounts. I am not saying it isn't doable, but stretching yourself that thin is never a good idea. Espcially if wife/kids are invovled. When you are on that strict of a budget to maintain if something goes wrong that costs $$$ you are super fucked because it is all tied up in material goods. The house is the only good investment, the SUV and Porsche are depreciating assets that are only going to go downhill in value. I am sorry but 150k a year combined income with a kid isn't enough money to live that lifestyle and not be kicking yourself come retirement.