I don’t know.
My mother was always frugal. In fact she was downright tightfisted. But she always had a nice car.
For most of my life, my mother was a widow. She did not work. She owned buildings and got money for some inventions she patented. She got into Amway.
For a few years we were members of the local country club–this was one of the expenses she complained about. When she quit playing golf she dropped the membership. Even though that meant I had to swim at the public pool. (But I should note that, while there was a public pool, there was no public golf course.)
We spent about every other summer traveling, sometimes in Europe, sometimes just getting in the car and driving east or driving west. My mother’s old college friends were spread across the country so it seemed we would spend a couple of nights in hotels and then a night or two with an old college friend. The hotels were cheap, but they had to be AAA-approved. (In those days, that meant something. It did not necessarily mean there would be a swimming pool.) For the European travel, my mother had this hilarious habit of thinking she was buying one kind of tour, and ending up with something quite different, for instance she thought we would be traveling through some part of France in a tour bus, but actually it was a bicycling tour. The idea of my mother on a bicycle was pretty funny, but it appealed to me. All her college friends who weren’t spread over America were in Europe because their husbands were in the military, so over there we went from base to base.
We had a regular cleaning woman who came in once a week. We also had people who did yard work. I had to mow the lawn.
I also got a certain amount of money, as a teenager, for things like cleaning up rental units people had moved out of (sometimes very, very icky), painting them, etc.
We took our stuff to a “poor” single mother to be ironed, but this I understood to be an act of charity (because otherwise, the ironer would have been me).
I always thought we were solidly middle-middle class. But when I was in college my mother bought a house. Then she decided she didn’t like it, so she bought another house. Then she decided that one didn’t suit her either, so she bought another one.
She paid cash for all three houses. No mortgage. Only deadbeats had mortages.
By this time she was selling Amway (had been for years) and was a Direct Distributor, but I don’t think that financed three houses.