So in your classifications the "I don’t care what stuff costs in restaurants" and " I don’t care what a vacation costs" would fall into the same category? To me being able to afford living expenses with a little left over would likely qualify as middle, not having to care about restaurant cost would qualify as upper-middle, and not caring about vacation cost would be upper. There's a pretty huge gap between being able to drop $1000 at a restaurant, and people able to spend tens, if not hundreds of thousands of dollars on a vacation.