Reply to Ahhh feels good to be in the middle class at 300k a year

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Also, "decent" homes can be purchased in DC for far less than 800-900K. That price point is the going rate for the most affluent neighborhoods in DC.[/quote]

YES, so true.  We bought our house for under 500K in a neighborhood which is changing rapidly and in the right direction.  We love it here. People dont NEED to live in 800-900K houses in DC or the burbs.  They choose to.  My parents live comfortably in a 350K house in wheaton and they love it.  That would be like them saying that unless they can afford a house in Chevy Chase, they are hitting the poverty line.  If you want to claim you have the same amount of disposable income as my family does so you must be middle class but own a million dollar house in DC or the burbs because you HAVE to in order to live properly, you are delusional. That is a choice to live in that zip code![/quote]

Again, my inlaws live in the same type of home with same quality of neighborhood outside of DC on 1/2 the salary. It's the cost of living. I understand it's rough in our area and people make sacrifices but it happens everywhere and the same 70k salaries are half that in other areas. I don't really get how people don't understand that.[/quote]

Yes, DC is more expensive for housing than MD.  But they are close enough that people who cant afford DC in the neighborhood they would like are living in MD instead and still working the same job so it is a choice.  I myself lived in a house I owned in MD that I bought a third of the cost of the house I own in DC. I worked in DC at the time.  Funny thing, I had almost exactly the same disposable income at that time as I do now at the end of every month.  But now I make 4x more money and I save, have an emergency fund, retirement...  Should I be defined as middle class in both scenarios? I think not.   The cost of living isnt that different  - food, electricity, healthcare, gas, etc....the real estate costs are different IMO and they are an indicator of wealth and income.  So is having ample savings, retirement, college funds, etc...I also have a nicer car - a choice. I need a car obviously just like I need to have a home to live in but both are purchases that bring down my monthly disposable income. I would never define myself as middle class though because I have been that and I am fortunate that I am not in that position any more. And I feel it is insulting to people who are living paycheck to paycheck. [/quote]

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