I understand your point but I don't think it is really a question of "enough" per se. The parent was saying "wow" as if it is just crazy talk to think you would need more than double the average where the average is brought down by people in extreme poverty. I don't think it's fair at all to imply that is somehow expecting or desiring some posh luxurious, whatever "bad" adjective is preferred, lifestyle. Let's be honest, if you have a family, you have desire for a middle class lifestyle, saving retirement, college funds, unexpected expenses, etc, $75K is not some amazing sum, even if you live the South East with cheaper living costs. Let's just be honest about that!