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I have cut down going out for sushi to only once a week.
But I don't have any kids.
anotherblack944, if you don't mind me asking what do you do for a living? What is your annual income?
I live in Calif which is famous for our high cost of living and I'm only making around $50K I don't think anyone would call that "affluent".
Of course not having kids is not an option for you at this point, honestly I always thougth I would get married and have kids but it never paned out for me.
My DD is a Hyundai, that helps... much rather have a G35 or a Boxster or a...
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Gary Fisher 29er
2019 Kia Stinger 2.0t gone 
1995 Miata Sold
1984 944 Sold
I am not lost for I know where I am, however where I am is lost. - Winnie the poo.
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