When I was first married, in 1972, my husband and I made about $15,000 a year between the two of us. A hershey candy bar was about 10 cents. I was going to buy one the other day at the gas station. It was $2.89. I laughed and decided not to buy it. If my math is correct, you would need to be making $433,5000 a year for that to be the same (expense) ratio.