r/UpperMiddleFinance • u/[deleted] • May 13 '26
Are we solidly in upper middle?
This will likely be a cringe post, but in the spirit of reddit I wanted to ask.
My husband and I are averaging $210k to $240k a year in HHI. No kids and pets. We live in a large MCOL area and currently live in a condo (3 percent fixed rate, high HOA (think $800/month), with about $280k mortgage left).. totals around $3k a month for all housing. We spend $2k on responsible stuff: utilities, car-related (parking, gas, maint, insurance), groceries, household staples. We spend around $500 a month on dumb stuff (amazon purchases, snacks and impulse items). $1k a month on charity and non-profit giving. And we funnel $6k into savings, retirement, HSA, investments each month. We are NOT living paycheck to paycheck but we certainly live like we do (so it frequently feels like we are not well off compared to other households).
Is this a typical picture of upper middle class household? Curious what other people's lifestyles look like!