Well, we make WELL less than $20,000...like half that!
DH is an EMT-I, but only makes about $9/hour. (I'd like to add that I think saving lives is a severly underpaid occupation here
Anyway, I've SAH since we got married (had a few temporary nanny jobs here and there, but very minimal contribution to our income), so we're used to not having much money. But that also means we sure as heck know how to be smart with it and stretch it when we need to, and honestly, we live simply and our value is in our family anyway, so we also feel we live richly.
DH is going to finish his teaching degree in the next year or so and that will change things, but we're comfortable where we're at for now.