No, and that's a fair criticism. At $68K/year I would think you'd have to consider going down to 1 car for the family if feasible, or do that for several years until car 1 is paid off.

The main point I wanted to bring up with my comment was that San Antonio is just about average nationally wealth-wise, but the original comment I was replying to made it seem like half the population was living in very dire straits.