“Juggle” - A 36-year-old account manager in Northeastern PA, married with two toddlers, earns $140K (joint HHI $250K). She tracks every dollar, jointly manages finances with her husband (a shift worker with a pension), and has grown their net worth to over $600K (83rd percentile for their age group) as a result of steady saving, zero student debt, multiple 401ks, healthy emergency and investment funds, significant 529s, and a home with $80K+ equity. Their life is a whirlwind of careers, daycare drop-offs, Peloton classes, budgeting, grocery runs, tag-team parenting, and the mental load of balancing career ambition and family. She credits their progress to family support, paid-off college, and a determination to upgrade generational stability for their kids.