And the point you are trying to make is ? Your household expenses is not high at 20+K/mth?
And your family income is high at 32K/mth?
That's all that sticks out.

Find it strange that such a high income person will come to such forums to post such **** and seek opinions. hahaha...maybe you indeed are as I know such high income follks, but they spend more time trying to figure out the business/work that posting rubbish showing off / asking for views...