I think 60k- 120k is like a red zone. Not enough to save much less splurge and no programs.
We live in Israel and admittedly live pretty comfortably. But this is about what we need to live in Israel with not very much tuition. So can't imagine that that would be even close and the tri-state area. Oh and it's referring to the 120 not the 60. And I also have five kids for comparison sake.[