$100K here in northern NJ is not a lot of money; your property taxes alone will take 10% of that (and there are refunds on that), and after state and federal income taxes, social security and Medicare taxes, mortgage/rents payments, etc. - there simply isn’t a whole lot left over.
The days of fancy cars and fancy vacations are over; while the Jersey shore still points to Hurricane Sandy as the source of their woes, the closing of several Atlantic City casinos exposed the truth: There is little discretionary spending, and there has been no economic recovery, here in the northeast.
Sorry, there are NO refunds on property taxes.