I had a significant jump in income and my mortgage is only 1% of my gross income. It's actually something of a disaster financially as I have an issue looking at the excess money as investible and instead spend it on clothes. Not that I'm complaining that much. To put things in perspective though, I don't live in a mansion so in SF terms I'm poor. 1% of your income ... but poor by SF standards. Do you live in a duck blind, a old VW bus, or something akin to either of these?