I think the GP probably meant upper end of the [100k, 200k) range. If they truly meant upper end of the [100k, 1M) range and they're still in the same state of having a mere combined 11k saved...they're doing something horribly wrong with their finances and should take a step back and reevaluate their personal finances.

I'm in the [100k, 200k) range, and I've had to reevaluate my finances. I used to live pretty comfortably on less than half my income. I had no credit card debt, my $50k car was paid off. Student loans were paid off a decade ago. Then, I got married and now have 2 step children. Between moving into a larger place to accommodate the new family and all the costs associated with getting married, moving & furnishing a larger place, I'm just now about to start to get our heads above water. I had to take money out of savings before we could get outflow to be less than inflow.

Replying here, because I had no time to reply here earlier due to meetings. Anyway yes between 150 - 200k range.

My prior comment before removed was 5k savings, 11k 401k. I had more, but life events. For me, it's a variety of things. Largely summed up as I bought a house at 25. Had health issues that were in remission, then came back. And have been trying to get above water since.

I know a number of software engineers, who are in it just to pay the bills. As the pay increases so do the responiblities you hold.