I certainly meet necessities and a few luxury items but people think 100k is like rap star money or something. We don't make enough to buy some frivolous luxury items like a designer bag or an actual new car. We make enough to spend more than normal on groceries, go out to eat a few times a month, and pay the rest of our debt. Not enough to have a decent liquid savings account. Every time I get $500 saved up I end up with some new medical bill that I forgot about.