Imagine you recently bought a Bay Area house, a few kids, have day care and/or pre-school costs, various other debts, etc. Sure you were making a huge salary an

Imagine you recently bought a Bay Area house, a few kids, have day care and/or pre-school costs, various other debts, etc. Sure you were making a huge salary and hopefully have some savings. But it’s all relative and you’re just a middle class dude that can have family vacations that involve an airplane, all things considered. But you have a $8k mortgage payment due every 30 days. You can burn through savings real fast.