SHRED's family isn't tearing apart - and won't - unless SHRED chooses to tear it.
Unless SHRED had a 20-25 mile commute to work (and another 20-25 mile commute home), chances are he & wifey sold their full-sized home in/near Poway and bought a condo in Encinitas,possibly paid in full. If they did that, then $31K/year plus whatever wifey brings home wouldn't be too bad.
CalPers is going to hit the liquidity wall well before SHRED reaches the end of the natural term of his life (barring a fatal health crisis). When that happens (possibly within the next 5-10 years!), it's going to be hyper-ugly, and I hope the Feds decline to bail out the State of CA (in which I've resided all but 6 years of my sexagenarian life).