now you're adding a BUNCH of variables that you didn't include in your original statement(s)...and, i've told you this before, people in those areas pay way to much for their real estate...they're the stupid ones, not the 95% of the population that doesn't live in those areas. $250k puts u comfortably within the top 2%, it's a fact...however, i agree that $250k does not make you rich...but, it should make you quite comfortable.