I hope you realize that most of those numbers are either entirely optional, or have been inflated to suit your tastes. If you were willing to downgrade your li

I hope you realize that most of those numbers are either entirely optional, or have been inflated to suit your tastes. If you were willing to downgrade your lifestyle, you could surely find an apartment for $1,500/month, DSL for $20/month (and no cable tv), a prepaid phone that runs you more like $20/month (but doesn't let you throw birds at pigs), a car that costs you less than $200/month to run (and sits in your driveway instead of commuting you to work), and no other debts whatsoever. That still leaves you with your expensive health insurance and kids wearing monogrammed blazers to school. And an extra grand for beer money.