I still think your numbers are too high.Actually, that's not true. What I think is that your numbers reflect a standard of living that's going to pile up some debt. It's amazing how cheaply you can live if you really push yourself (http://www.getrichslowly.org is a great site for money management and frugal living tips, as is The Simple Dollar). It's entirely a matter of what you're willing to tolerate. I'm a big fan of the Dave Ramsey line, "Live like no one else so that later you can live like no one else."
My parents are upper-middle class but they're not paying a dime.