Miami, FL: $77,057

Income needed: $77,057

50 percent for necessities: $38,529

30 percent for discretionary spending: $23,117

20 percent for savings: $15,411

The Miami median income of $30,858 is less than half, or $46,199 short, of the amount needed to live well in this city — the biggest gap between actual and ideal incomes of any major city in this study.