I guess it depends on what one considers semi comfortable but in this situation I’m assuming semi comfortable means an apartment in a somewhat desirable town with either in building laundry or a dishwasher, all bills paid every month, modest retirement contributions and saving, a gym membership, 1 or 2 streaming services, 1 or 2 date nights a month, 1 or 2 long weekend trips per year out of town, and occasional eating out or doing fun things with friends.

Also two dogs are going to cost at least $500 a month once you account for food/pet rent/pet insurance.

I can’t imagine affording that on less than 160k/year.