“I have not added in any clothing, gas, car insurance, or life expenses that come up, not to mention heat, electric, yom tov, let alone light bulbs, exterminator, plumber…(forget vacation or eating out – not happening)and for women who work more than part time and need child care?”
So how do you manage to pay for all the ‘not included’ items that you listed? Yor answer will probably help explain your questions about ‘everyone else with the Odessey’.