I have a close relative with a net income of more than 150k, and he’s crying like a baby and always struggling, his brother with more kids, totaling a gross income of merely 60k a year, covers nicely, managing and making his payments on time.
Besides their very different living standard, house, car, clothing etc. they live in different neighborhoods, where the tuition prices are very different, and living standard as well.
But I know people earning all jobs together less than 50,000 a year, some are struggling, some have to get public assistance as food stamps and health coverage, and some aren’t eligible and are struggling.