You may be quite shocked by the numbers that I am going to reveal in this article. So many people are bitterly complaining about the rising cost of living, and so I decided to do some investigating. What does it really cost for a family of four to live the "American Dream" today? As I was doing my research, what I discovered deeply alarmed me.

Obviously a family of four is going to need to eat, and grocery prices have been going through the roof.

According to the USDA, a realistic food budget for a family of four for one month ranges between $996 and $1,603…

The USDA estimates $297–558 for a monthly food budget for one person, $614–963 for a couple, and $996–1,603 for a family of four.

For the purposes of this article, let's assume that we are being frugal and so we will go with the lowest number in that spectrum.

Health insurance is another major expense that U.S. households face on a monthly basis.

In 2023, an unsubsidized plan for a family of four through the ACA marketplace averaged $1,437 a month…

Family plan premium rates will vary based on family size. But, a family of four paid an average of $1,437 a month for an unsubsidized plan.

That figure is two years old, and premiums have continued to rise since that time, but for the purposes of this article we will go with it.

In order to pay the monthly bills, parents must go to work, and in order to go to work they will need at least one vehicle.

According to Experian, the average monthly payment for a new vehicle during the first quarter of 2025 was $745…

In Q1 2025, the average car payment for a new car was $745, and the average payment for a used car was $521. However, monthly payments can vary significantly based on many factors, including the loan amount, loan term, borrower credit history and more.

Most households have more than one vehicle, but for the purposes of this article we will include just one vehicle payment in the monthly budget.