Doctor salary after student loans, & retirement saving: How do they do it?

Many doctors have huge amounts of debt, save for retirement, and still have to spend many hours at work. But, supposedly they have a great amount of money leftover to live a high quality life. But where does all the money come from? Here are some numbers I made up to illustrate the question:<br><br>Suppose you are a married anesthesiologist with 2 kids that graduates with $200,000 in student debt. Since they are self-employed, they have to pay 100% of their employee expenses so their 'real' salary is probably closer to $300,000 than $400,000. <br><br>Their mortgage is $3,000/month, property tax is $2,000, health, disability, and malpractice insurance is $1,500, and their car payment is $501. They put 1% of their salary into a 457b plan and contribute $14,500 into a SEP-IRA. They live in a state with an 8% tax rate and pay 33% in federal taxes. Their income after expenses is:<br><br>$300,000 / 12 - $3,000 - $2,000 - $1,500 - $501 = $16,665 / month<br><br>$16,665 * 0.08 = $1,333 state tax<br><br>$16,665 * 0.33 = $5,500 federal tax<br><br>$16,665 - $5,500 - $1,333 = $9,832<br><br>$9,832 / 4 = $2,458 / week<br><br>$2,458 / 80 hours a week = $30.72 / hour<br><br>They make just under $31/hour, is that enough to live a comfortable life?