Sales. yeah, if you're good at it, or even just decent, you can make a living on it. Is 40K a good salary in Texas? I'm not familiar with that economy. What is the average house, with, say, 1/4 acre of land, in a not terrible neighborhood? In CT, 40K a year probably still qualifies you for food stamps, if you have kids. I don't say that to sound offensive, I say that to give an idea of just how different things are in different states. I think the major screw for me and the wife are student loan debts.
Yeah, east coast cost of living is ridiculous in comparison to what you can get in Texas and directly north (Indiana, Michigan, Kansas, etc). Here, 40k is livable. Housing prices range dramatically in DFW because we have a LOT of wealth in Dallas and Fort Worth. We've become a secondary hub for television and movie production, we have a World Trade Center, etc.
Our house is 1,600 sq. ft, 3-bed, 2-bath with 2-living areas and a garage. We have .31 acre of land, which is more than enough for us. Current county appraised value for our home is $126k, but we paid significantly less for it because the market's still fragile.
Texas also usually runs about $0.10 lower on average for gas than the other states, we have relatively cheap food prices since we're so close to Mexico and are capable of growing a lot of stuff locally, and because we have a ton of cattle land, chicken farms, and even a few pork producers. We're also close to the GULF, which provides a good flow of decent seafood.
As for other differences: Student loan debt I can understand. I never took out a loan for school (I've been taking my sweet ass time getting a degree and paying out of pocket or utilizing grants). Boyfriend had a loan for the 1 year he completed before taking ill, but he paid it off pretty quickly.
I don't know how CT does it, but I know VA has a personal property tax on items like vehicles and the like. I'm sure CT also has state and maybe even county/city taxes.
Texas doesn't have an income tax.
There are no county taxes deducted from our checks, either.
We pay income tax and pay roll taxes.
We pay $50-80 a year to re-register our vehicles.
We pay $35-40 a year for vehicle emissions/safety inspections.
We pay property taxes (ours are $2450 a year) on homes. We pay sales taxes ($0.0825 on the dollar in most areas of the state).
For what it's worth, I was a latchkey kid. My dad worked 12+ hours a day doing construction in Texas heat, and when he got home he usually had the energy to eat and shower before passing out. My mother usually worked a standard 8 hour day. From the age of 7 on I was pretty much on my own before and after school. I taught myself to cook, I did chores around the house, I kept myself entertained by reading a crap load of books.
My mother did a LOT of crap that screwed up our relationship, but working damn sure wasn't one of them, and my father is my hero. The sun shines for him, as far as I'm concerned. So if you're feeling guilt because you're not able to provide more time for them right now, don't despair too much. They'll end up remembering more the time you spent together, and less the time they spent away, I promise. Just make the times together as good as they can be.