[_yb2s]

You're making twice the median whole household income for Boston... I nearly guarantee you could be more frugal and save fully half your income. You'd have to give up things you don't want to give up, but that most people in Boston don't have either... I say this not as a personal attack, but what I found out about myself after critically evaluating my finances in a similar situation despite being a single father in a HCOL location.