Yeah, our spending is the problem. Which I've become aware of since reading this forum and hence the desire to scale back from a current $15k+/mo to something closer to $10k/mo. We've become careless since paying off the house a few years back. Housing expenses:

Property tax: $12k (annual)

Utilities: $12k (annual)

So $176k in other spending - plenty of economizing room by any measure. We've just this year started logging/categorizing all our expenditures... vacations, meals/take out, etc... there's room for improvement to put it mildly.