Income and Lifestyle in Primary Care Residencies Posted September 15, 2018 · Report reply 15 hours ago, booradley83 said: Why would income go up relatively compared to the mortgage? If anything; the mortgage rates are at historic lows; the mortgage might go up................and the incomes might actually come DOWN with this stupid government.......... Inflation. This is why in the low interest world we lived in over the last 10 years, it makes a lot of sense to go with a longer mortgage. Halfway through your career, you will notice your mortgage payments are easy as pie to make. Also amazed that anyone can spend $2K per month discretionary with the budget you've presented.