what "wins" and "fionah" and I were talking about is if one side of a couple can make more than 70K, then, the money another makes can be saved and normally a part time job should easily make 20k. The couple we are talking about is assumed no kids. People have different ways of spending money. In your case the reason why you don't have that money is maybe you spend it or you just don't know how to take care of it.
It's funny that how people could just take a conversation from half and started to ask around as question. :)