I didn’t totally flush this out, but I don’t feel upper middle class in the conventional sense since I’m used to simple living. The two cars, white picket fence lifestyle isn’t me. But by raw income numbers, it certainly places me there.

It all sort of feels relative. If a “beginner” single family bungalow costs 850k+ in my neighborhood, home ownership still feels like a gamble (well, the accompanying debt burden would make me uncomfortable). A $4k mortgage payment does not sound fun if I were to lose my job, for example.