@jasonrporter0316 Not willing to sacrifice $15k per year in vacations and $6k in eating out...
You need go "re-balance" your budget by starting with retirement. Come up with a number you want to save and determine your budget for everything else AFTER that.
$110k - $25000 retirement (out of pocket not including company match on 401k = $85k
$85k - home ownership = $36k (holy shit this is why I don't own a house lol)
$36k - cars = $22k
$22k minus groceries = $16k(will actually be more after your tax burden is reduced from contributing to your retirement)
$16k is now your new budget for vacation and eating out. At least until you pay off those cars or find other ways to reduce your necessities above or get a raise.