[tolos]

Starting at the end and working your way towards the beginning, you can save a lot of time:

> Bottom line: For folks like the Joneses who live in high-tax, high-cost areas, who save for retirement and college, pay for child care to enable two incomes, and pay higher prices for housing in top school districts, $250,000 does not a rich family make.

> Some of the expenses incurred by couples like the Joneses may seem lavish -- such as $5,000 on a housecleaner, a $1,200 annual dry cleaning tab and $4,000 on kids’ activities. But when both parents are working, it becomes nearly impossible to maintain the home, care for the kids and dress for their professional jobs without a big outlay.

Andddd, I stopped reading.