Sounds like it was only the man who wasn't inclined to work, and that the woman has been changing that tendency, as well as presumably having a decent income of

Sounds like it was only the man who wasn't inclined to work, and that the woman has been changing that tendency, as well as presumably having a decent income of her own that's being considered here. So something north of 50K after tax per year for a two-income couple isn't too ridiculous by any means. 185K delta between the two scenarios feels wrong, though - that's almost 4k a month, an astonishing high rent bill for a couple just out of college. The "find an apartment on their own for 1-2K, maybe even with roommates, but ideally just in a cheaper area" option should be seriously considered compared to living at home. Get a bunch more savings AND some very valuable life experience!