Avg home price for a 3 Bed/2 Bath, 2,000+ sq ft in a real city in this country? What's that going for plus property taxes monthly? We gotta be at $3,000-$4,000 a month, rent runs easily that or more in most of the big cities for any kind of space.
2 car payments are going to run you $1,000 a month easily, the money runs away fast. It leaves in a blink of an eye in these parts of the Universe. Can a Middle Class guy play a round of golf every week? Tennis too upper crust(pizza)? How about Bowling, can you bowl and be a middle class family? What's the food bills running?
So they're making $15k after taxes which is a #### pile of money, right? But they got $10k a month in expenses and then they want to try and invest, pt some back for the kids for college and the next thing you know they're living pay check to pay check and now the teenager is being nudged to go get a Swedish Fish gig on the weekend.