I think the really big key is "decent amount annually, $130k" just doesn't seem to really go as far as one would think, especially with a family of four.
Unfortunately, the options are really
(1) Make more money.
(2) Spend less.
While you search for opportunities to make more money, the more immediate option is to reduce costs. Are there things you are willing to do to reduce your expenses such as carpool, ridesharing, brown bagging lunches, cutting cable, downgrading to fewer channels/slower internet, less expensive cell phone plan? I think one of the real challenges for people in the "middle-income" brackets is mentally discounting potential savings of $20-$50 a month on a particular line-item as "not worth pursuing." However, reducing your monthly recurring items adds up quickly. More importantly, as you adopt a more thrifty mindset, you often find other opportunities to save money.
I have cut to the lowest Internet speed.
I am on the lowest digital directv package. Entertained hd antenna, anyone had success with this?
We only and I mean only get Verizon service where we live but we are open to a prepaid wireless plan that uses the verizon CDMA network, currently researching this...
We brown bag and have made huge strides towards cooking at home every night of the week.
We work different hours in opposite directions so one car really isn't doable.