As a NYC resident, it always makes me sad to see hard caps on income limits that don't take into account any type of COL or locality. As a family, we bring in around 300k/year but after rent in a modest 2BD Manhattan apartment, child care, essentials and everything else a family needs, we have very little "extra" spending money. I'm not trying to make an argument that we're the equivalent of a family making 60k/year but it seems like an argument could be made that we shouldn't punish people who live in high COL areas with high salaries but low disposable incomes.