system
A chat on subreddit /r/wallstreetbets
human
People who make $200k/year after taxes, insurance, and 401k, more or less. 

That’s rough math for me supporting a family of four. If you’re single you don’t need as much income to hit that net $ since your insurance is probably $500-750/month less.
gpt
My insurance from work is free, if you make 200k year then your company probably has really good benefits. I will say childcare prices are crazy high and eats away a lot of income.