annually:
3W into retirement,
60W house, 50w mortgage, 30 year term--mortgage--2700, plus tax, 4W a year.
2 kids, college cost--3W (8 years)
living cost: 5W (plus income tax)
total:3+4+3+5=15W.
This type of income belongs to top 10%. So, only 10% people in the U.S. can reach your goal.