Married couple, 46 & 49, with 2 beautiful teenage kids.
Combined annual income, $150k.
Home is a condo worth $1.1m with outstanding loan of $500k.
Owns a European car, loan left $30k.
Holidays spending, twice a year, $12k.
Annual expenses, $120k.
Annual savings, $30k.

We are in the middle class group, struggling to survive in this modern life, full of high expectations. We are actually among the less well off as many of our friends and family members earn $300k pa (combined couple income).