I think the confusion here is not the meaning of your posts, but in the argument you are making. You seem to have changed the crux of your argument from how it will be difficult for physicians with student loans to make ends meet and live comfortably to how anyone can be happy on $25,000 a year.
Then you go on to extol the virtues of family life, which, as far as I can tell, no one has argued against in this thread.
Let's take the obnoxious down two levels...