Delivery Worldwide Box Office Mojo kate_sept2004/Getty Images Recommended $200-$250K per year here and nope, we are not rich. We live in a moderately priced market in California (3 bed 2 ba 1900 SF home). Have two incomes, two kids in day care, and after maxing out our 401Ks and maintaining the 6 months cash reserves balance, we have very little left over. We don’t eat out much at all. We don’t drive expensive cars (I have a company car and wife’s car is paid off and has 120K miles on it). We don’t go on lavish vacations, or even spend much on gifts and other forms of entertainment. Also, we have no debt, we never consider touching our home’s equity, and save the amount needed to pay for two year old twins attending college at the same time in the future (1200 per month when you use financial calculators and the growing cost of college). So what’s left over after groceries and bills are paid? Not a heck of a lot. 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