I'm with you. My combined CL are less than a week's pay. I have great income $150k plus bonus, but I've been spending every extra dime trying to get totally out of debt erase/ payoff past mistakes. I'm also paying a chunck toward my sons college tuition so he is not saddled with student loan debt, as mine is crushing.
Prior to divorce and BK my CL were multiples of my income. There are pros and cons. I've experienced both. If you use wisely (we didn't) it can help for things such as paying tuition bills early and getting the rewards. Now that is all paid with cash (it's own advantage).
I would be happy if I can get to $25k in CL on prime cards.
At around 120K/yr while other factorrs in your credit report will determine you CL, A decent report will get you CL's close to or higher than $25K
I can see this is going to become a sport for me. Let the games begin!