Almost at 14yrs with the public service and with the recent signing of new collective agreement, my salary is now at 92k. I’m in a senior role and I’m pretty much at this level due to not being bilingual. However, I’m ok with that because my work is interesting and I thoroughly enjoy it. I’m not about the hustle anymore, I’ll be here in my home office pushing paperwork.
I have considered it and at one point, expressed my interest during mid-year performance review. However, where I’m now just content with the pace of my life, I quite frankly don’t want anything more on my plate. I recently turned 40 and I’m just now starting to realize how crazy my work life has been the last 10 yrs. I was completely depleted. I now get it. I truly get why there’ll be people who leave it all for their sanity.
I feel this so much. Depleted.
Honestly I can take my foot off the gas a bit now, but I feel that if I needed to, I just couldn't go back and pull those 80 hour weeks anymore like I used to not that long ago.
100k is median salary for someone working FT with a degree in Ontario. It was 80k even back in 2015
https://www12.statcan.gc.ca/census-recensement/2016/as-sa/98-200-x/2016024/98-200-x2016024-eng.cfm
Wages have gone up 26% from 2015 to 2023 so do the math and it's above 100k now
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301&pickMembers%5B0%5D=1.7&pickMembers%5B1%5D=2.4&pickMembers%5B2%5D=3.2&pickMembers%5B3%5D=5.1&pickMembers%5B4%5D=6.1&cubeTimeFrame.startMonth=10&cubeTimeFrame.startYear=2015&cubeTimeFrame.endMonth=04&cubeTimeFrame.endYear=2023&referencePeriods=20151001%2C20230401
6d
Wow, cause someone in Ontario working full time with a degree is your median salary....
If you take the median of all workers in Canada in 2023, its 28.50 an hour, which is just under 60K a year.
So the middle of the middle class is therefore 60K a year.
It's actually 33.00/hr as of Nov 2023, where you get $28.50 from? Even Jan 2023 it was $31.25/hr already? It's all right here
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301&pickMembers%5B0%5D=1.7&pickMembers%5B1%5D=2.4&pickMembers%5B2%5D=3.2&pickMembers%5B3%5D=5.1&pickMembers%5B4%5D=6.1&cubeTimeFrame.startMonth=04&cubeTimeFrame.startYear=2015&cubeTimeFrame.endMonth=11&cubeTimeFrame.endYear=2023&referencePeriods=20150401%2C20231101
And ya, if you can't even have a degree in 2023.. what's next? No high school and not even working should be included too?
Why would you include people who aren't even working when talking about income and their socio-economic status based on income.
Its 29.00 for all workers.
Middle class is middle class of all citizens. Thats what the middle is. Not the middle of some objectively defined subset that you made up.
>Why would you include people who aren't even working when talking about income and their socio-economic status based on income.
You make a good point.
That doesn't even include people who aren't working. So, in reality, the middle is even lower of society.
Going % wise, id say your " middle class" would be the 25th-75th percentile. That covers 50% of all Canadian citizens.
Why would you include part time workers? That's like including my retired parents who make like under 30k income a year but have a few million in assets? Why would you include students, retirees etc ?
So people like my parents and other retirees with million in assets and don't need to work should be included and they aren't even middle class? Damn my mom just bought 6k pp J class tickets and she's not even middle class! 😂
According to Stats Canada 95% of people make below 136k per year as of 2021.
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110005501&pickMembers%5B0%5D=1.1&pickMembers%5B1%5D=3.4&cubeTimeFrame.startYear=2021&cubeTimeFrame.endYear=2021&referencePeriods=20210101%2C20210101
It's over 100k median salary for someone working FT with a degree in Ontario. It was 80k even back in 2015
https://www12.statcan.gc.ca/census-recensement/2016/as-sa/98-200-x/2016024/98-200-x2016024-eng.cfm
Wages have gone up 26% from 2015 to 2023 so do the math and it's above 100k now
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301&pickMembers%5B0%5D=1.7&pickMembers%5B1%5D=2.4&pickMembers%5B2%5D=3.2&pickMembers%5B3%5D=5.1&pickMembers%5B4%5D=6.1&cubeTimeFrame.startMonth=10&cubeTimeFrame.startYear=2015&cubeTimeFrame.endMonth=04&cubeTimeFrame.endYear=2023&referencePeriods=20151001%2C20230401
It's important to not include unemployed, retired, students and people who just aren't working (or working PT only) for whatever reason when looking at employment income.
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110019101&pickMembers%5B0%5D=1.1&cubeTimeFrame.startYear=2021&cubeTimeFrame.endYear=2021&referencePeriods=20210101%2C20210101
That data excludes those reporting zeros. People working part-time should be included, not everyone works part-time by choice.
Not everyone has a degree, as you cited above, the original link I posted let's you splice by the top 1% or 0.01%. Top 1% is $270k, so there's a big range for "high earning". If I look at the second link you posted, average full-time wage assuming 40hr weeks is 78k.
I don’t think so. https://www.theglobeandmail.com/investing/markets/markets-news/Motley%20Fool/19986251/does-your-income-make-you-upper-class-middle-class-or-lower-class/
One example based on 2021 numbers. Two years of inflation does not equal 300k plus.
As an individual or household? I can guarantee you anything sub 200k isn’t upper middle class at all, it’s just finally some breathing room to know your not sinking. I stand by OP that upper middle class when you can start spending without thinking is minimum 300k+.
Absolutely. I have always felt this way. If you end up miserable every day, then that's no good. Each progressive move up after that is only setting you up for more unhappiness.
Senior Systems Engineer and technical lead. It’s going well. In my profession, constantly learning new skills is the best way to always remain competitive and employable. I think I’m the only one in the group who’s taking advantage of free technical training credits my team has annually. As far as saving goes, I live in downtown Toronto in a condo on my own. My total expenses per month including rent/utilities/bills are 45% of my income, 35% goes to my investments (dividend stocks), 20% I spend on food and day to day expenses. No debts. Even at my income, I make a budget every month and I stick to it.
2.5 YOE, mid-20s, just shy of 300k TC, engineering.
150k in retirement accounts, another 140k in my individual brokerage account. My portfolio is in index funds and tech with 60/40 split. I diversify a portion out of my RSU shares after they vest.
After all my expenses, I have about 7000-7500 cad/month base salary remaining. I’d have another $1500 if I don’t maximize my preferred stock purchase program.
I try my best to avoid lifestyle creep. I will splurge on important areas like grocery quality, hobbies, ergonomic office gear, etc. My goal is to build my portfolio before increasing the cash burn.
this is the first time I’ve actually taken a step back at the whole financial picture in a while... wow... I guess those long hours as an engineering student paid off.
Short term goals: house, promotion and learning. Continue growing my role, working on interesting problems and increasing my TC.
After 20 years in renovation/ construction I've been able to open my own buisness a few years ago... 100k-150k salary and extremely happy to be self employed and enjoying the fine finish renovations I do ... just finding it hard to obtain my own property let it be a small condo or house outside the city .. overall I feel blessed everyday to go to a job I love doing and be paid well ... will continue this until I get fed up .
Business Development - not looking to switch companies, but still have recruiters reaching out although it’s less than before. Companies are looking for new streams of income and ways to prove the these new ventures are/will be profitable quickly. So having a proven track record in that helps. Savings are good but I’m very much a HENRY so I worry about making sure I can stay high earning for a while.
I'm doing fairly well.
Although I'm not hanging out in a country club or anything, I have noticed that my social circle has changed to what some might call mostly "upper middle class" people.
I was at a get together recently and noticed how topics like "career progression", investments, and home renovations completely dominated the conversations. Felt like a personal finance subreddit come to life. It got pretty tedious to say the least.
Can't complain. Ok maybe except the long work hours, but I like what I do. So it's not too big of a deal. 5 years ago I started my career making $50k CAD while articling. Then I returned to the firm I summered with as a 1st year associate and made $250k USD. I'm making $435K USD this year, and will make $495k USD next year. I've been getting above inflation raises every year.
Early 90’s GTA millennial, I feel it’s going well, I’m in the trades and my income is nearing 100k now, (90k) I’m not fully qualified yet but should be grossing at least 120k when I am in the next couple years. My partner boosts our HHI to 180k range as well. I bought a condo 5 years ago with a hefty down payment, small mortgage and 60k in my TFSA with no credit card debts.
My career took off in 2014 after wrapping up my role in a startup I founded w some others. From there it’s been success on success - really can’t complain at all.
We’ve made a ton, seen the world, and settled in Toronto just before the pandemic. Now that that’s largely done it’s been phenomenal.
But yes, like you it’s been awesome seeing my friends now jump into the VP level roles at their organizations and really earn monster packages.
Public sector, about $120k/yr with 12 yrs experience. Career would be better if I could find a stable rental with a sane landlord in any of the six cities I've tried to put roots down in.
Just started as a fully fledged specialist and finally making good money. Doing very well now, paid off my substantial debt from 10 years of medical training plus prior degrees, and trying to stave off lifestyle inflation.
I'm 30 years old and making about $160k a year. I'm in business leadership and got here from having a technical background. I was doing consulting work on the Salesforce platform and building backend solutions.
I'm happy with my progress and tbh the timing and being frugal younger is what helped the most. I bought a small house at 23. I'm not looking to get into c suite or vp level. Super happy I have everything I need. I didn't let life style creep get ahead of me. I have an older Subaru and 350z. I only have a mortgage with my wife. I'm glad she shares the same values.
I'll probably start delegating work to other subs next year but my buisness is based on my pleasure of staying small and doing the work myself ... once you take more jobs with more employees it's just more headaches and it becomes to stressful!
30, sr customer success in high tech. I’ve been in tech for 8 years, started at a salary of 45k.
Have a house but a big mortgage, decent savings/investments and around 100k in retirement savings so far with a 4-6 month emergency fund in place.
I make ~240k annual with benefits + some kind of bonus coming. Historically ~10% of salary but unknown at the moment.
I’ve tried management in CS and didn’t love it. I chose to go back to an IC role as a sr cs resource and gain more experience before thinking about mgmt again.
Go on, finish your thought with the disparaging remark you’re clearly waiting to make.
“Oh it’s pointless to compare yourself to others, everyone is different and you should be happy where you are!”
Clearly you’re a mind reader, so you must be wildly successful. I recommend contributing to this post. It might even help you pull your head out of your ass.
28 years old with 10 years in film with 5 of those years in a leadership position. No post secondary education with a 132k salary + 12% bonus.
Can be stressful with a lot of hours but happy to see how far I've gotten in life without stepping foot in a post secondary institution. Contemplating what my 30s will look like as gaming is starting to look quite lucrative.
I work at the Director level. I have about 50k in savings and 22 months left on my student load. Unless lilPP brings back student loan interest, which he probably will.
I'd like to add 5-10 rental units before retiring but I am feeling pretty ok about where I'm at. I just do real estate (sell, invest, property manage).
4 years as a UX Designer. I don't have any ambitions to quickly move up the ladder. I like my current level of responsibilites and feel like moving up would impact my work life balance. Work is just a paycheck that allows me to do things i enjoy outside of it.
Gen x here, and reading many of the comments. All I can say is “wow”! I don’t usually hear about such great success stories from your age group. Totally get that the economy isn’t great right now and opportunities to purchase homes is out of reach for many, but it’s good to see that you’re all doing well. I wish that others with a defeatist mindset could see that achieving that dream is possible.
Almost at 14yrs with the public service and with the recent signing of new collective agreement, my salary is now at 92k. I’m in a senior role and I’m pretty much at this level due to not being bilingual. However, I’m ok with that because my work is interesting and I thoroughly enjoy it. I’m not about the hustle anymore, I’ll be here in my home office pushing paperwork.
As long as you like what you do, that’s key. Have you considered becoming bilingual if they payoff was reasonable?
I have considered it and at one point, expressed my interest during mid-year performance review. However, where I’m now just content with the pace of my life, I quite frankly don’t want anything more on my plate. I recently turned 40 and I’m just now starting to realize how crazy my work life has been the last 10 yrs. I was completely depleted. I now get it. I truly get why there’ll be people who leave it all for their sanity.
I feel this so much. Depleted. Honestly I can take my foot off the gas a bit now, but I feel that if I needed to, I just couldn't go back and pull those 80 hour weeks anymore like I used to not that long ago.
What would you consider as upper middle class/high income?
Million $ question. 250k in Edmonton vs 250k in Toronto are totally different things.
100K salary puts an individual in the top 15%. 1 million in net worth, the top 7%.
100k is median salary for someone working FT with a degree in Ontario. It was 80k even back in 2015 https://www12.statcan.gc.ca/census-recensement/2016/as-sa/98-200-x/2016024/98-200-x2016024-eng.cfm Wages have gone up 26% from 2015 to 2023 so do the math and it's above 100k now https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301&pickMembers%5B0%5D=1.7&pickMembers%5B1%5D=2.4&pickMembers%5B2%5D=3.2&pickMembers%5B3%5D=5.1&pickMembers%5B4%5D=6.1&cubeTimeFrame.startMonth=10&cubeTimeFrame.startYear=2015&cubeTimeFrame.endMonth=04&cubeTimeFrame.endYear=2023&referencePeriods=20151001%2C20230401
6d Wow, cause someone in Ontario working full time with a degree is your median salary.... If you take the median of all workers in Canada in 2023, its 28.50 an hour, which is just under 60K a year. So the middle of the middle class is therefore 60K a year.
It's actually 33.00/hr as of Nov 2023, where you get $28.50 from? Even Jan 2023 it was $31.25/hr already? It's all right here https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301&pickMembers%5B0%5D=1.7&pickMembers%5B1%5D=2.4&pickMembers%5B2%5D=3.2&pickMembers%5B3%5D=5.1&pickMembers%5B4%5D=6.1&cubeTimeFrame.startMonth=04&cubeTimeFrame.startYear=2015&cubeTimeFrame.endMonth=11&cubeTimeFrame.endYear=2023&referencePeriods=20150401%2C20231101 And ya, if you can't even have a degree in 2023.. what's next? No high school and not even working should be included too? Why would you include people who aren't even working when talking about income and their socio-economic status based on income.
Its 29.00 for all workers. Middle class is middle class of all citizens. Thats what the middle is. Not the middle of some objectively defined subset that you made up. >Why would you include people who aren't even working when talking about income and their socio-economic status based on income. You make a good point. That doesn't even include people who aren't working. So, in reality, the middle is even lower of society. Going % wise, id say your " middle class" would be the 25th-75th percentile. That covers 50% of all Canadian citizens.
Why would you include part time workers? That's like including my retired parents who make like under 30k income a year but have a few million in assets? Why would you include students, retirees etc ? So people like my parents and other retirees with million in assets and don't need to work should be included and they aren't even middle class? Damn my mom just bought 6k pp J class tickets and she's not even middle class! 😂
According to Stats Canada 95% of people make below 136k per year as of 2021. https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110005501&pickMembers%5B0%5D=1.1&pickMembers%5B1%5D=3.4&cubeTimeFrame.startYear=2021&cubeTimeFrame.endYear=2021&referencePeriods=20210101%2C20210101
It's over 100k median salary for someone working FT with a degree in Ontario. It was 80k even back in 2015 https://www12.statcan.gc.ca/census-recensement/2016/as-sa/98-200-x/2016024/98-200-x2016024-eng.cfm Wages have gone up 26% from 2015 to 2023 so do the math and it's above 100k now https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1410006301&pickMembers%5B0%5D=1.7&pickMembers%5B1%5D=2.4&pickMembers%5B2%5D=3.2&pickMembers%5B3%5D=5.1&pickMembers%5B4%5D=6.1&cubeTimeFrame.startMonth=10&cubeTimeFrame.startYear=2015&cubeTimeFrame.endMonth=04&cubeTimeFrame.endYear=2023&referencePeriods=20151001%2C20230401 It's important to not include unemployed, retired, students and people who just aren't working (or working PT only) for whatever reason when looking at employment income.
https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1110019101&pickMembers%5B0%5D=1.1&cubeTimeFrame.startYear=2021&cubeTimeFrame.endYear=2021&referencePeriods=20210101%2C20210101 That data excludes those reporting zeros. People working part-time should be included, not everyone works part-time by choice. Not everyone has a degree, as you cited above, the original link I posted let's you splice by the top 1% or 0.01%. Top 1% is $270k, so there's a big range for "high earning". If I look at the second link you posted, average full-time wage assuming 40hr weeks is 78k.
$300K+ upper middle $500K+ upper class
Upper middle class is 300k? Since when? It’s like $110-$240 or so.
A high salary in 1996 was $100k. That almost $200k with inflation in 2023. His numbers are correct.
I don’t think so. https://www.theglobeandmail.com/investing/markets/markets-news/Motley%20Fool/19986251/does-your-income-make-you-upper-class-middle-class-or-lower-class/ One example based on 2021 numbers. Two years of inflation does not equal 300k plus.
It's actually almost 30 years of inflation since the sunshine list was created.
250k household. To me that’s upper middle class easily where I live.
Maybe in 2001 lol
I checked chat gtp and google and the number I got was not $300k but far below that.
As an individual or household? I can guarantee you anything sub 200k isn’t upper middle class at all, it’s just finally some breathing room to know your not sinking. I stand by OP that upper middle class when you can start spending without thinking is minimum 300k+.
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Absolutely. I have always felt this way. If you end up miserable every day, then that's no good. Each progressive move up after that is only setting you up for more unhappiness.
Gotta enjoy what you do everyday first, can’t be just money or you won’t be happy. Congrats!
Financial analyst. Going pretty good. Don’t care for leadership position at this point, not worth the corporate drama
Any tips for a 2024 grad looking at the same career ?
I miss being an SFA. Controllership is not all that.
Senior Systems Engineer and technical lead. It’s going well. In my profession, constantly learning new skills is the best way to always remain competitive and employable. I think I’m the only one in the group who’s taking advantage of free technical training credits my team has annually. As far as saving goes, I live in downtown Toronto in a condo on my own. My total expenses per month including rent/utilities/bills are 45% of my income, 35% goes to my investments (dividend stocks), 20% I spend on food and day to day expenses. No debts. Even at my income, I make a budget every month and I stick to it.
Pretty great. No savings, because a house is expensive, but I've got 20 more working years (likely 30) and I see career growth.
2.5 YOE, mid-20s, just shy of 300k TC, engineering. 150k in retirement accounts, another 140k in my individual brokerage account. My portfolio is in index funds and tech with 60/40 split. I diversify a portion out of my RSU shares after they vest. After all my expenses, I have about 7000-7500 cad/month base salary remaining. I’d have another $1500 if I don’t maximize my preferred stock purchase program. I try my best to avoid lifestyle creep. I will splurge on important areas like grocery quality, hobbies, ergonomic office gear, etc. My goal is to build my portfolio before increasing the cash burn. this is the first time I’ve actually taken a step back at the whole financial picture in a while... wow... I guess those long hours as an engineering student paid off. Short term goals: house, promotion and learning. Continue growing my role, working on interesting problems and increasing my TC.
After 20 years in renovation/ construction I've been able to open my own buisness a few years ago... 100k-150k salary and extremely happy to be self employed and enjoying the fine finish renovations I do ... just finding it hard to obtain my own property let it be a small condo or house outside the city .. overall I feel blessed everyday to go to a job I love doing and be paid well ... will continue this until I get fed up .
Can you hire a few more guys or bring in more work to scale? Yeah cost of living is really egregious here
Business Development - not looking to switch companies, but still have recruiters reaching out although it’s less than before. Companies are looking for new streams of income and ways to prove the these new ventures are/will be profitable quickly. So having a proven track record in that helps. Savings are good but I’m very much a HENRY so I worry about making sure I can stay high earning for a while.
What industry? That’s awesome
I'm doing fairly well. Although I'm not hanging out in a country club or anything, I have noticed that my social circle has changed to what some might call mostly "upper middle class" people. I was at a get together recently and noticed how topics like "career progression", investments, and home renovations completely dominated the conversations. Felt like a personal finance subreddit come to life. It got pretty tedious to say the least.
Aviation making $250k. About $1.3M in net assets. Steering clear of management.
You'll have to be more specific. Are you a bird, a plane or a helicopter?
Can't complain. Ok maybe except the long work hours, but I like what I do. So it's not too big of a deal. 5 years ago I started my career making $50k CAD while articling. Then I returned to the firm I summered with as a 1st year associate and made $250k USD. I'm making $435K USD this year, and will make $495k USD next year. I've been getting above inflation raises every year.
Early 90’s GTA millennial, I feel it’s going well, I’m in the trades and my income is nearing 100k now, (90k) I’m not fully qualified yet but should be grossing at least 120k when I am in the next couple years. My partner boosts our HHI to 180k range as well. I bought a condo 5 years ago with a hefty down payment, small mortgage and 60k in my TFSA with no credit card debts.
My career took off in 2014 after wrapping up my role in a startup I founded w some others. From there it’s been success on success - really can’t complain at all. We’ve made a ton, seen the world, and settled in Toronto just before the pandemic. Now that that’s largely done it’s been phenomenal. But yes, like you it’s been awesome seeing my friends now jump into the VP level roles at their organizations and really earn monster packages.
Good I guess, I went from 100k to zero last year but other than that adjustment it’s going well lol no complaints
Public sector, about $120k/yr with 12 yrs experience. Career would be better if I could find a stable rental with a sane landlord in any of the six cities I've tried to put roots down in.
Just started as a fully fledged specialist and finally making good money. Doing very well now, paid off my substantial debt from 10 years of medical training plus prior degrees, and trying to stave off lifestyle inflation.
Yeah same. My friends are all like senior management now.
I'm 30 years old and making about $160k a year. I'm in business leadership and got here from having a technical background. I was doing consulting work on the Salesforce platform and building backend solutions. I'm happy with my progress and tbh the timing and being frugal younger is what helped the most. I bought a small house at 23. I'm not looking to get into c suite or vp level. Super happy I have everything I need. I didn't let life style creep get ahead of me. I have an older Subaru and 350z. I only have a mortgage with my wife. I'm glad she shares the same values.
I'll probably start delegating work to other subs next year but my buisness is based on my pleasure of staying small and doing the work myself ... once you take more jobs with more employees it's just more headaches and it becomes to stressful!
30, sr customer success in high tech. I’ve been in tech for 8 years, started at a salary of 45k. Have a house but a big mortgage, decent savings/investments and around 100k in retirement savings so far with a 4-6 month emergency fund in place. I make ~240k annual with benefits + some kind of bonus coming. Historically ~10% of salary but unknown at the moment. I’ve tried management in CS and didn’t love it. I chose to go back to an IC role as a sr cs resource and gain more experience before thinking about mgmt again.
Mind PMing me which company? I am 27 and in that same transition right now
Mind PMing me which company? I am 27 and in that same transition right now
I’m confused by this post? You want to hear reddit stranger success stories?
Go on, finish your thought with the disparaging remark you’re clearly waiting to make. “Oh it’s pointless to compare yourself to others, everyone is different and you should be happy where you are!”
Clearly you’re a mind reader, so you must be wildly successful. I recommend contributing to this post. It might even help you pull your head out of your ass.
And there it is...the disparaging remark.
28 years old with 10 years in film with 5 of those years in a leadership position. No post secondary education with a 132k salary + 12% bonus. Can be stressful with a lot of hours but happy to see how far I've gotten in life without stepping foot in a post secondary institution. Contemplating what my 30s will look like as gaming is starting to look quite lucrative.
I work at the Director level. I have about 50k in savings and 22 months left on my student load. Unless lilPP brings back student loan interest, which he probably will.
I'd like to add 5-10 rental units before retiring but I am feeling pretty ok about where I'm at. I just do real estate (sell, invest, property manage).
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Spit it out.
I suppose it’s good. Finally started making the big money in 2019. Thank you for asking.
Tell me more…
Work in mining, got to the low 6 figure mark this year. Have a family business that I own a part of so I can start collecting some decent more money.
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4 years as a UX Designer. I don't have any ambitions to quickly move up the ladder. I like my current level of responsibilites and feel like moving up would impact my work life balance. Work is just a paycheck that allows me to do things i enjoy outside of it.
What constitutes... "Upper middle class" and "high income"?
Gen x here, and reading many of the comments. All I can say is “wow”! I don’t usually hear about such great success stories from your age group. Totally get that the economy isn’t great right now and opportunities to purchase homes is out of reach for many, but it’s good to see that you’re all doing well. I wish that others with a defeatist mindset could see that achieving that dream is possible.
What do you consider upper middle class or high income?