The article also doesn't talk about expenses. $65K while you are paying down a mortgage is one thing. $65K after eliminating all debt ("good" and bad) is another. We live on a fraction of $65K now after you deduct mortage payments (we re-financed to pay off in 10 years), maxing out two 401ks, maxing out Roths, paying off student loans AND investing every month in our taxable account. Subtract all that and $65K is a fortune!