Think about a husband and wife each making $15 an hour (twice the mininum wage in Indiana). This adds up to a yearly family income of $60,000 before taxes and deductions for health care insurance, Social Security and Medicare. Then subtract about $18,000 per year for child care for two children under school age.
Finally there is rent or a mortgage payment, transportation (two cars), food, and clothing.
At this point doubt there is any money available for saving and investing, miscellaneous expenses, or unexpected events, and entertainment including a vacation.
Sorry Pastor Van, forgot about tithing.