My wife and I make more than $250k a year. Our avg tax rate is just about 35% and we live with half our take-home pay. I consider ourselves lucky and cannot pos

My wife and I make more than $250k a year. Our avg tax rate is just about 35% and we live with half our take-home pay. I consider ourselves lucky and cannot possibly feel "bad" about my situation. Yet, taking a substantial 15y mortgage that requires us never to make less than we're making today to get a trashy house in a bad neighborhood or a 600 sqft condo is a nogo for me