 you listen the more you'll know it's brian kilmeade that's a lot of money 186 000 that's because people have done the math they've looked at the mortgage the car payment the groceries and they've said if i want breathing room that's by the way not living luxuriously that's just feeling like month to month i'm not under stress right they think they need that much money but the scary thing about that steve isn't just the amount they think they need right