I understand the point about the plateau but $100k is just not it for HCOL/VHCOL areas. Here in SF Bay Area, rent for a 3bd can easily be over $3k (mortgage likely as much or more), and OP said childcare, though temporary, is $3100/mo. So that’s $73k+ already without accounting for any other expenses, savings, etc. at all. Bringing in $200k versus $100k for example would make a world of difference in quality of life and financial security.