I am a 3rd year dev living on 70k income. Wife works >20 hrs part time. 2 kids. I live in the US between the Rocky and the Appalachian mountains where the cost

I am a 3rd year dev living on 70k income. Wife works >20 hrs part time. 2 kids. I live in the US between the Rocky and the Appalachian mountains where the cost of living is reasonable. Things are tight, but solid. $800/mo rent (4 bedroom house, .7 acres) $800/mo debt, 2 car payments $200/mo gas $500/mo savings $600/mo groceries $500/mo utilities, phone, internet, streaming $250/mo car, life insurance Not even at 50k a year for essential expenses. It's doable. At 100k I'd have pretty much no financial worries, and at 200k, I'd have better problems to worry about. :)