I don't know where you work but my husband and myself together make 70k a year and can not afford a house that cost 180k financing 150k that is a 1300 month payment for 30 years. Yes that is very close estimate on payment, and yes we could buy the house and would be able to pay it however we would not have any room for going out to eat,movies or gas lets not forget gas heck I spend 400.00 a month in gas and only work 14 days a month that is just back and forth to work I drive a explorer. So I would like to know what you are doing on the side. My personel opioion is you are into something the rest of us would rather not be in or you are lying about something.Between truck payments and normal bills it would be a stretch for my family and we make more than average family. We choose to live in a smaller place so that my son can have the best of everything at this point in his life..