I'm talking about AUD$20,000 a month for a married couple with children servicing a mortgage in a so so suburb in Sydney Australia, yes you could live on less if your willing to live 50 kilometers from the centre of the city, but you will be spending 8 hours a day between you and your wife driving in your car to and from child care, grocery shopping and to work and back. About a family living on 20,000 a year, well a family living off social welfare would get significantly more than that, so to live off that amount is ridiculous.