* If you're poor you deal with the terrible commute as non-negotiable. You might also live in a cheaper illegal basement apartment, put your child in a cheaper illegal daycare, etc. A richer family can avoid the risks and pay more. But some poorer families have to take on the risk or be homeless

* There are more subsidies for the poor. It sounds funny to type, but the $250k families might have a harder time to make ends meet than the $60k ones. Childcare being a big example. This is specific to a HCOL city like NYC where subsidized child care starts at 6 weeks old, but a $250k family will probably be spending $3k+ per child per month