It seems to me that these numbers are a bit strange--almost $9K/yr in medical/dental expenses--after insurance? Is this a reasonable expectation for a young couple (I say young because they're still paying off their student loans). Other people have already remarked on the cost of the their car payments. House cleaning? Also, they're paying $440/month on gas/electric--what are they running?

Looking at the numbers, I see people who have a rather lavish lifestyle. If that's how this fictitious couple wants to spend their money, then fine, but then they will end up in debt. Sorry, but I say that they're rich.