When my husband and I were living in Toronto, we were pulling in about that much in Canadian dollars, which was about 20% less than the equivalent in USD. We still managed to pay our mortgage on our condo, condo fees, car & homeowners insurance, food for ourselves and 3 pets, and aggressively pay down my husband's school debt while simultaneously saving up for the downpayment on our house and our wedding. The difference is we paid our actual essentials first and very seldom spent money on luxuries. Neither of us owns a fancy car. We both still own clothes from high school. Neither of us drinks, smokes, or gambles (well, the odd drink with friends but that's it). I'm not at the salon every other week getting my nails done. Hams will spend money on all of that other shit first, then cry that they're poor and can't pay their bills. Like my mom always told me, it's not about how much money you make, it's how you spend it.