Just to put things into perspective for you: a family of 4 making up to $140k qualifies for affordable housing in San Mateo County. That's about $7.7k a month

Just to put things into perspective for you: a family of 4 making up to $140k qualifies for affordable housing in San Mateo County. That's about $7.7k a month after tax. Now factor in some variable combination of: 1. Rent (3-4k for a 2bdrm or larger) 2. Student Loans 3. Debt 4. Childcare (daycare) ($2-3k) 5. Health care This excludes 401k contributions, saving for a financial buffer, any type of car or commuting expense.