I am not saying $180K is not enough for kids...I am just saying we have to lower our standard of living....We are just average income earners with a car, no maid, just part time helper, staying with in laws now....we do dine at restaurants a few times a month, go for holidays twice a year....currently I do have a few facial and spa packages (I guess it's the norm for most ladies)...and I must admit I splurge on 1 branded bag a year as well...but other than that, I am saving about 1/4 of my annual income...

And I do think that's fairly reasonable...