how do families make it (financially)

[frankenforpres]

I have a lot of student loan debt, but my monthly income is pretty good,my wife works (no kids), and i am NOT saving a lot of money. so i am wondering how a family making like $50k a year can have any savings at all. how do you save for retirement, a down payment, college?

What am i missing here?

let me maybe be more clear. combined with my wife, we make well above the median income, we dont go out that much, we dont live extravagantly and i dont see how i could afford a good day care, save for college, save for a down payment etc etc


how do others do it?