I know I'm going to get slammed for this, and I also know I don't have to read all the annoying PA posts, but come on people, you don't NEED it, or at least most of you don't.
You don't HAVE to live in the city of your choice, you can rent a place in a somewhat rural area for MUCH cheaper and SAVE money on rent - even with the gas for dh to get to work. You can actually MAKE YOUR OWN FOOD! You don't have to buy stuff out of boxes, you can actually make that 20.00 meal out of boxes for like 4 bucks - no shit. You can do your OWN nails! You really can, I swear. They can even be pretty awesome if you spend like 10 bucks on amazon for nail art image plates. The list goes on and on. I know from personal experience. We spent 3 years on ONLY my hubby's income of 17-21k with a truck payment, car insurance, mortgage, taxes, home owners ins., etc. because I was very ill and couldn't work and it took FOREVER to get disability. Now of course I get disability and he makes much more than that, but we qualified for FS, TA, free lunches for the kids (we have 2), etc. and we didn't take any damn thing. Just because you CAN doesn't mean you SHOULD. Learn to live WITHIN your means people.