Double income families should be logically twice richer than single income families. But they are much more richer. We can see the DI families buying very very costly real estate and having super leisure tourism, etc.The file explains the calculation. As years go by, not only saving base increases but also the multiple is in the range of 7-8. Thus a single income family can’t think of the lifestyle of the double income family. Please adjust the economic assumptions accordingly. The MS Excel file path is: Double Income Family Comparison It is up to you to have personal finance perspective or social iniquity perspective of the social phenomenon.