So you only have one child? We had 529’s for all 5, so that helped a little. We buy our cars used and drive them into the ground (every single one has been towed away after 20+ years of service). We’ve never had an overseas trip, but try to take a family vacation every 4 years or so. We never go out to eat, get takeout a few times each month. My kids who wanted to go OOS mostly applied to safeties because a lot of merit was needed. One really liked Villanova and got into honors, I think she did get enough FA there to bring tuition closer to $60,000, because she had a sibling in college. According to Realtor.com, my house is under 1600 square feet and worth $520,000. Not living large here. Our household income has been significantly higher these past 4 years.