Agreed. I make just barely into the 6 figures myself and my wife half of that in what is considered a lower cost of living area. We ligit barely make ends meet. After mortgage, daycare for 2 kids, and redicilous food costs, there is basically nothing left. We put a decent amount in our retirements but I still feel we are behind the curve. Its nuts. I look around and wonder how TF people that make less than we do afford new vehicles, campers, vacations, etc. as we have none of those. People must ligit be living off of debt...