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I believe it. My wife and I are under the 100K and are doing fine. At times it may be hard with a family but you do what you can. At one point I was making enough to put us well over the 100K mark and the stress that came with the position wasnt worth it so I walked away. It all depends on where you want to live and what kind of lifestyle you live but under 100K is more than possible to live in NY with.
Bigger income makes many people accustomed to having "better" things. Then on top of it all you are worried about replacing a huge salary if you lose the currrent one. I say this is fairly accurate.
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