<prompt> Human: Im starting to shop and a lot of people toss out the two months of salary benchmark, but no one seems to know if its pre-tax or not. Makes a huge difference :- Would love some insights.  <response>: Thats a commercial. You dont need to spend two months salary any more than you need to lease a new Audi, buy Fiber One cereal, or ask your doctor if Ambien is right for you. 