Is this personal income, or household? Nevermind, either way $200K is nuts, unless your Personal Goal In Life is to make that much (and screw job fulfillment, finding a life partner, or taking a real vacation). At one point I was making more money than I knew what to do with (I mean I stopped watching my spending, socked away an obscene amount into savings, didn’t have to pay into Social Security any more) and even then (inflation adjusted) it wasn’t $200K.