4 Things the Upper-Middle Class Can Afford That the Rest of Us Can’t
Written by
Cindy Lamothe
Edited by
Levi Leidy
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Ever notice how some people seem to live in a slightly shinier version of reality? Not yacht-by-breakfast rich, but definitely living beyond the “I wait for sales at Target” crowd.
We’re talking about the upper-middle class — folks who can loosen the financial belt just enough to enjoy life’s little luxuries.
“When people talk about the upper-middle class, what they’re really describing are households earning somewhere in the $150,000 to $250,000 range,” said Kevin Marshall, CPA and lead contributor at Smithii Tools.
“At that level, you’re not talking about extreme wealth, but you are talking about a life where comfort doesn’t require sacrificing essentials or strategizing around every purchase. It’s a very different financial experience from what most people face, and it shows up in ways that aren’t always obvious.”
From niche hobbies to sneaky conveniences, here are a few things the upper-middle class can afford that the rest of us can only daydream about.
One of the Clearest Examples Is Travel
According to Marshall, an upper-middle-class family can take two or three international vacations a year — each one $10,000 or more — and do it without dipping into savings or stressing about credit card bills.
“For most households, even one big trip requires strict saving or trade-offs elsewhere, but for higher-income families, travel becomes a normal part of life, not a financial event they have to prepare for,” he said.
Cars Fall Into the Same Category
Luxury SUVs or electric vehicles (EVs) with payments between $800 and $1,200 a month don’t cause strain when income is high and cash flow is predictable.
“Many families in this bracket even trade in for new models every few years,” Marshall said.
He explained it’s not about showing off — it’s simply a lifestyle they can maintain without derailing their long-term goals. For everyone else, that kind of car payment would quickly crowd out savings or emergency funds.
Education and Child Care Are Another Major Dividing Line
Marshall observed that private school tuition, tutoring and extracurriculars can easily run $5,000 to $7,000 a month for a family with multiple children.
“Add full-time child care or a nanny — often $50,000 or more per year — and it becomes clear why only a specific income bracket can sustain that level of support.”
These costs buy time, opportunity and flexibility, but they’re simply out of reach for most people.
Then There’s Lifestyle Spending
Lifestyle spending includes things like dining, entertainment and hobbies. Marshall explained that an upper-middle-class household might spend $3,000 or $4,000 a month on meals out, concerts and weekend getaways without blinking. Plus, they can keep the latest phones and laptops on a one- or two-year upgrade cycle, not because they “splurge” but because the expense doesn’t threaten their financial security.
“The same goes for premium healthcare plans and elective treatments like orthodontics, wellness spas or specialty therapies,” he added.
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