100k is about $5900 a month after taxes and modest 401k contribution.

Let's subtract some typical expenses (erring on the more expensive side)

$200 - water + electricity

$100 - high speed internet

$160 - decent wireless plan

$250 - employer subsidized health insurance

$150 - car insurance

$50 - netflix, spotify, hulu

$700 - groceries

$800 - go out to dinner twice a week (or some other activity)

$350 - car payment + gas

$1000 - savings

$1500 - median monthly mortgage payment in the USA.

$200 - home insurance.

That still leaves 400 a month while also managing to save and invest in 401k. Seems like a decent salary and way of life. Not rich by any means, but certainly comfortable.

The median mortgage payment in the USA is about 1500, but let's call it 1800

That food bill is sky high, holy shit. My households food bill is 300-400 a month and we never eat out. 12k a year makes a difference.