Sorry I don't buy that number for a minute...
That means you need & want about a zillion things many folks I know can do without...
While I am extremely fortunate to be fine financially, I have basic cable, no streaming services, a flip phone, I drive my cars until they explode; I don't own a boat or other toys, I don't gamble or go on extravagant vacations, I don't live in a McMansion and I saved a small fortune over my lifetime by having no tattoos...
Add that and other stuff to the mix and $91K looks about right... 😉