…which I agree is middle class.
What do you base this assumption on? Not saying you’re incorrect, I am simply trying to understand your thought process. However, even taking this into consideration, $400K in household income does not equate to rich, at least not in my neck of the woods. Please don’t misunderstand, $400K is a wonderful income; I don’t make anywhere near it and wish I did, but it would take more than this for me to consider myself rich, and I am no spendthrift.