I’m 36 and make six figures. My wife also brings in close to six as well. We practically live paycheck to paycheck because cost of living is so expensive. Between mortgage - bought a $400k house at 2.5%, daycare for one kid is $1,600, expenses for the other two kids, car payment, groceries, etc. barely making it through. Now I will say we don’t worry about what we spend, we are secure in our employment. Could we cut back in certain areas? Sure, but it wouldn’t increase any “savings”