That said, a meal for 4 being over $100, we better be eating something fancier than fast food.
Exactly.
I've done the math over and over again - my average per-plate cost cooking at home is around $2.
Sometimes a buck, sometimes more.
I can knock out a better burger than 5 Guys or fast food with little effort and a lot lower cost. My burger is purchased as a volume, patties made while watching TV and frozen. Just gotta pull them out and cook. And I use my own burger spice that blows away anything from 5 Guys.
Planning is the key. I make meals that freeze well so I can split it up and then use as-needed, even for weekday lunches. When your daily lunch is $1-2 instead of $10+, it makes a big difference.
But just as important is I get to control the nutrition.