4468, love that 5-a-side ex wifes comment.
I think that's one of the things the OP is trying to avoid, as even on 145k, once the ex is putting your little darlings through private schools and you paying her mortgage until she is 65, while you try to set up home in a Barratt semi with a girl 10 years younger who still wants to breed, there ain't gonna be a whole lot left! ;-)