<prompt> Human: I am a father of 3.5 with a decently high paying job for the area I live in. My mortgage is cheap my house is worth less than I make in a year, we have one vehicle thats not paid off but the payment is only about 400. The others have been paid off for years.My credit card on the other hand is higher than I thought possible for a middle class family. The mortgage, auto, utilities, insurance, and some child care expenses are not paid with the CC, everything else is on a CC that is shared with my SO and I.Total expenses on my CC were about 85k and we didnt even go on a vacation last year. All of the charges were normal expenses. We had about 3k in home improvement costs, 2k into one of the cars, 11k in child care expenses. The other almost 70k was like regular day to day expenses of shopping, food, groceries, clothing, take out etc. Some of these things are perks like Christmas we could have spent less on but its mostly just the normal operating expense for household items. Me from 5-10 years ago would have told myself I am nuts for thinking thats even possible but Im going through the list of expenses and very few of the items are entirely frivolous.Is this completely unheard of? This kind of feels like the episode of Seinfeld where Kramer legitimately doesnt understand how people shower in under 2 hours. Its hard for me to fathom how our extremely middle class way of life could possibly be so expensive.I dont think my SO realizes how much of the expenses are just her buying groceries and stuff for the house and kids. She blames my purchases which tend to be a bit more frivolous but overall a fairly small portion of the pie. Does anyone else have expenses that are anywhere even close to this? A lot of it is grocery but I feel like we would almost have to go out every meal of every day to hit those kinds of numbers.  <response>: Expenses, not credit card expenses. Create a budget and see where your money is going. 