We have no kids
I remember our DINK days - we had half as much income and the exact same standard of living. Our daycare costs, which allow us to have full and rewarding careers, are astronomical. Theoretically we will have a bunch of money back this Fall when our youngest starts full time school and only needs the before/after school support - but the reality is that money is going to get rolled into more expensive and rewarding activities for the girls (because we are pretty obsessed about their childhood experiences/development). We will have our mortgage paid off in less than 10 years from now (I am 40, Natasha is 34) thanks to accelerated payments (because we want to erase that debt and regain the capital lost to the principle/interest), and we should both expect to have full pensions from the Federal government (unless the Russians take over, Comrade citizen) thanks to the Army/DND, and other than her truck (F that POS thing) we have don't take out loans/make payments on stuff unless it has a 0% interest rate (like appliances)... and we save a tonne thanks to my being handy around the house.
That being said: I am guilty of still shopping for a wide-body Hellcat ($80-88K CDN), and Natasha says I'll have my opportunity after she is promoted this Summer. Life is short and you need fulfilling experiences... and 717hp.