Gavra_at_work: Unfortunately, those two options are off of the table. The mortgage debt to equity ratio (LTV) is at the maximum that the banks will allow. The days of 125% home equity loans are gone. — Retirement and college savings are also zero.
So where is all the money going? Huge student loans? Parental support? Had DWI and huge auto insurance bill? Lawsuit?
You should be making it plus saving, if you are making near 100K, with no tuition payments and living out of town.