Out of curiosity, and I don't have a family, what are your costs?

I suspect you can support a family pretty cheapily. The problem is everyone wants to "do everything possible" for their kids -- pay for the best child care, the best schools (or housing in a good school district), clothes and phones to keep up with the Jones' kids, $500k to bribe your way into USC, college tuition, etc. Yes, that all adds up, but I suspect you can also allocate an appropriate percentage of your income to retirement and just pay less for some of those things.