Dear Miss Jia, My wife first introduced me to your site, now I have become an official Miss Jia follower. Normally I would seek advice from those who I surround myself with but this situation is a lost cause. Recently my wife graduated top of her class earning her M.D. in Pharmacy, accepting a position with Walgreen’s. Her annual income to gross is anywhere from 75,000 to 80,000 a year. As you kn…