Wow!! How do you survive????
Well... that's the trick isn't it?
At that income level, I no longer pay any income tax, which helps quite a bit. I have a co-tenant that also has an untaxable income who helps out with expenses. I have no debt to speak of. I don't buy new cars and never finance the ones I do buy, so there are no car payments to make. I have no credit cards. We don't go to restaurants much any longer. I can vegetables and don't usually buy expensive cuts of meat... stuff cooked in the crock pot makes for cheap meals.
I probably qualify for food stamps, though I haven't really needed them. We do make use of energy assistance in years that we qualify. This year we may or may not qualify.
I enlisted into the US Army in 1975 and now have VA Medical coverage... so no Obamacare expenses.
I don't smoke, drink or use other recreational drugs.
I don't take vacations in Hawai'i or other exotic locales. When we want to get away from it all, we might drive to Wrightstown, Brillion, Oshkosh, Appleton or more likely Green Bay. Sometimes we splurge and go to Lena and/or Abrams... maybe Oconto Falls. We are always back before the end of the day though.
In short, I pinch pennies until they are as thin as a dime and then get a quarter's worth out of them.
I donate more than most people do to church... which is kind of another investment that pays non-taxable dividends.
Sooo.... God provides, I manage what He provides and we survive comfortably... at least for the moment. Things could change in a heartbeat and quite likely they will in the next few years, but I'm not gonna worry about things I have no control over. The state of the economy, whether or not there will be a nuclear war and other such things are quite above my pay grade and that's fine with me.