Our starting salaries were indeed low. We purchased at the end of 2017 and interest rates had already gone up to 4.7%. And our property taxes are covered by escrow which is rolled into our mortgage payment. Property taxes have also more than doubled on our current house and our escrow payment has gone way up as a result.
And we have also since had a baby, so a lot of our general expenses have increased along with all the general inflation prices increases associated with just living.