80K in California for a family with two kids isn't really that much. Probably we've all seen the articles on how 100+K income in Silicon Valley falls as "low i

80K in California for a family with two kids isn't really that much. Probably we've all seen the articles on how 100+K income in Silicon Valley falls as "low income": https://www.bbc.com/news/world-us-canada-44725026 https://www.bbc.com/news/world-us-canada-44725026 And those pre-teen kids will be college kids later at which point OP will need far more than 80K/yr.