Myself and my three siblings all have young and growing families with stay-at-home moms. Incomes ranging from 80k to 200k (guessing some), fairly LCOL in North

Myself and my three siblings all have young and growing families with stay-at-home moms. Incomes ranging from 80k to 200k (guessing some), fairly LCOL in North Dakota. Most of the parents involved are what may best be summed up as "good with money" but not crazy wealthy, more like work hard / save hard / be wise, and set their children up well for success. We went to state colleges and have practical degrees: engineering, biology, business, and education.