It is foreign to the vast majority of people that you would be making $400k per year of income but unable to afford a $5 breakfast as you say. I'm having some trouble with it too. When if you're paying $150k in taxes, have a $10k a month mortgage payment (about a $1.5M mortgage), and are making $5k a month in student loan payments, you have $70k left over. I suppose I could see your medical bills being so high that this is then a difficult pie to share with everyday expenses. But it's a lot of assumptions to get there.

Even if those number were reality, OP's claim that "I manage my money quite well" would be nonsense.

If your after-tax income is $250k and you're spending $130k on loans and medical expenses, it would be foolish to sign up for a mortgage that costs $120k per year.

Please see my other comment. You're making assumptions that are not correct regarding my choice in housing and expenses.