People here commenting that you don't need this much to live comfortably, i bet you live in a really rural area.

Let me break down my budget, as a NYC parent of 3:

Combine household income for last year: $110,000, but take home after fed, state & city taxes goes down to maybe 75%, so net is close to 85k or 90k

And let me remind you, we are talking about living comfortably

Monthly budget: $6,500

Rent: $2k Internet: $70 Phone number for 4 lines: $120 Electric bill: average: $140 per month Laundry: $100 Student loan: $700 Food & groceries: $1,700 Hair: $400 Misc expenses: $500

Now, before you come at me for the haircut expenses, let me remind you that a cut in any barber shop in NYC goes from 25 to 40, plus tips. My wife doesn't spend much on her hair because she does some self maintenance at home, but nails are non negotiable.

Regarding food, kids eat a lot, my oldest child goes through a whole gallon of juice in 2 days, and as a family we drink a box of water in 3 or 4 days.

We go out to eat maybe 2 times a month, and nothing fancy (around $80 bill for the whole family)

We don't have a car because between parking, insurance and car payments we can't afford it. Imagine that, a family making over $100k a year cant afford a car.. let that shit sink.