Sounds like you need to administer your finances. $8916 per month is barely enough to get by? WTF is wrong with you? Sounds like you gotta beat the wife into cooking more at home and not eat out all the time. Geesh.
You left out one important aspect:
Federal and State Taxes, Medicare etc etc etc..
$8916 while wishful thinking ends up at
$5700 per month including withdrawl for 10% 401K
Subtract the following monthly
$2117 Mortgage ( avg mort in usa is $1600)
$150 Taxes ( usa average)
$175 Insurance ( usa average)
$500 Utilities et al
$1400 Children Education Fund ( Currently it costs $700 per month from birth per child to pay room and board and misc average college expenses to send to state school in 18 years)
$679 2 car payments ( 4yr old minivan and 05 accord
$115 car insurance
$250 gas
$250 misc house mx
TOTAL $5636
AM I OUT OF LINE TO SAVE FOR MY CHILDRENS EDUCATION SO I DONT NEED TO GO $350,000 in debt? If you answered yes subtract the $1400 save nothing and have a $1464 monthly surplus remaining.
I think most will agree that those expenses are REASONABLE and indicative of many families. There is NO money figured in for Holidays, Vacation, Taking the wife out once a month etc etc..
We eat home every night by the way and do low or no cost family events ( park, hiking, bike rides, sports, fishing, camping) no disney or atlantis sorry