Not sure where you got your $150k numbers from but according to recent studies in December of 2022 the median American worker brings home an estimated $54,132 a year
https://www.firstrepublic.com/insights-education/how-much-does-the-average-american-make
Me and my wife make combined less than the 150 you claim we both need. We have a nice house on 10 acres, newer vehicles and are paying the last kids way through college. granted my toys are a bit on the older side but I have never been one who has wanted or needed to have the newest shiniest toys on the block. We live pretty good on our income. and have a considerable amount set aside for retirement.