Quote:
Owe 250k on 375k house. Make about a buck-ten a year. No debt. No kids.
Any suggestions?
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Yes. Don't get married. 
We had children after 15 years of marriage (another story). We went from highly paid DINKs to the other end of the spectrum. We are now a one-income, stay-home-wife, two kids, and college costs in the future, family. Ten years ago I never would have believed we could live off what we do. Having a family and a stay-home wife is EXPENSIVE.
The truth is having the spousal unit stay home is a choice we made. We made the choice because there is more to life than money. We make it work by living below our means. As a result, our net-worth is fairly good. Best of all our worth is not based on a real-estate bubble. We’re diversified.