Definitely not born into money!
We both work good jobs with good pay. I have been with the same agency for over a decade. I worked two jobs (65 hours per week) for a couple years after university. Student loan debts have been paid off for about 5 years. We didn’t go over our heads with our mortgage. Mortgage was paid off almost two years ago.
Bills would be house insurance, car insurance, property tax, phone, internet, gas, hydro, living expenses, and the kid. We travel and enjoy ourselves but are fiscally responsible. 2019 was the first year I ever owned a new vehicle.