Additionally, when co-workers in other cities type it in they often don't see it either.
we are not coming anywhere near spending our daily budget.
what am I missing?
I have campaigns running now where I have to set a daily budget of $1300 in order to ACTUALLY spend $800 per day. And as far as I know, there's nothing wrong with the ad groups or keywords - mostly campaigns that have at least two or three years worth of history, ok or great quality scores, and CTR of 10-50%.
If you search for the term often, then that history of searching (and probably what you've clicked) seems to affect the ads that are shown.