That definitely irks me too. That $4600 take home is possible only if you don’t put anything away for retirement. If you max out your 401k and ROTH IRA, it’ll probably be closer to $3500. So if you have 2 people making $90k each and both put away $ for retirement, their combined take home is $7000/month. Even $180k/year, the mortgage of a condo would be about 50% of their take home pay. That’s just crazy to me.