Here, try this 2 minute video:

 

The more you make, the more you spend. It`s a fact of life around here.

 

Over a $100k in Texas ...You need professional advice you are upper middle class. Your not going to get it here

-" Upper middle class: $104,014. Texas. Median income: $51,704. Lower middle class: $34,496.".

 

I think most of us have a house , car/truck , bike , credit card payments. How much those payments are is what really matters.

 

It aint that hard. Spend less than you bring in.

 

Well. I'm from Texas and understand a little about your areas economy. Real $$s adjusted for time, several years ago I was about 70% of where you are. Sucks be REAL LIFE can be hard. I kept the wife in a decent newer car, I had used cars and trucks I was constantly moving and flipping (so that was no expense) house was 1000Sq/Ft, 3 kids. I looked in the garage and 2 days later I sold my LowRider that wasn't paid for.. Not a hard decision at all. After things caught up, another Harley was in the garage.
It's all about priorities - smart phones, boats, tv packages, eating out, stuff adds up quick.

Like others have said - list EVERYTHING - from house payments to a bottled drink, and please don't tell us you're spending $6-$8 a day on smokes or dip.

 

Your an Idiot and obviously have made choices your not happy with,,
Oh how my heart bleeds for you,, honest,, been there done that.
It's Ok to change,, life is too short.
Dump the house,,
Oh wait,, you can't,, what would the neighbors think!?
What will they say?

 

We're waiting...

This isn't that complicated. In order of probability, (assuming you're not trying to put four kids through Harvard.):

1. You bought way more house than you can afford.
2. You filled the house with **** you don't need, on credit cards.
3. You eat out at restaurants, a lot.

 

Takes some serious habit changes for both of you, nickel & dime daily spending add's up much more than might believe. Cut out the trivial ****, force yourself to put X number of dollars away every check, don't matter what you think you need just do it. It may take a year but you'll find all the little stuff was a want not a need and you've some ready cash for when you need it. Selling off **** never helps , the money gets spent and now your without something.

Been down this rabbit hole, sucks doing a serious self reflection then manning up and doing it but the rewards later are worth it on personal level, trust me.

 

Get yourself a new wife that makes more than you do. Problem solved..