to be fair, the op did say "Most" of your money ....
so even though Taxes are High here in NY, my 2 taxes in FL don't even add up to NY's ( in total, Taxes are a big nut )
*I still believe that Most of it is spent on Food, clothes and Mortgages .... which I have 3, even though 2 of them are small and almost done.
I would add vacations, but to be fair if there's gambling/ Casino Involved .... most if not all is comp ( doesn't mean it doesn't cost me ) Because I can lose more than what the actually cost would be. LOL
The above * is because even though I have a grown Daughter ... I have 2 grandchildren ( and who do you think pays for most of their stuff )
Just spent $20K to send them both to Summer Camp ;+)-