Anonymous wrote:Anonymous wrote:I know families in the midwest who make 190K combined, raised 4 kids, and think they've made it. The kids all went to state college (think U Kansas, U Missouri), probably never heard of Amherst or Middlebury. They have like 80K left on 2.7% mortgage, drive two older model US cars, and are super happy. They have never been to Europe or Asia, don't see the need. Once every 5 years will go to Caribbean maybe Mexico. Most of the time their vacations are driving vacations. Depends on how you define MC, but there is a whole trench of MC across America who are ignorant of other possibilities, choices, avenues, careers. And ignorance is bliss.
OP here. This is exactly what I mean. I am thinking of one acquaintance whose kid recently went to Arizona or Alabama and totally proud and satisfied. They live in a modest home, have modest jobs and just seem happy. If you live in McLean and your kid has a 4.3 GPA, you won’t be able to get into UVA. It isn’t high enough. Your kid can play travel soccer or travel baseball their whole lives and get cut from the high school soccer team.
Anonymous wrote:No. MC families are three paychecks or less away from financial problems. Their fancy dinner out is to Olive Garden or Outback. Their vacations are camping or traveling to boring places to see relatives.
You can be UMC and not be competitive.
Anonymous wrote:It’s not really about MC vs UMC. This area is filled with snobby strivers who feel there is a very narrow path to define success. That’s the stuff that gets old. If you have good friends and can avoid getting caught up in the competitive one up environment, you can be happy and successful and so can your kids.
Anonymous wrote:You can choose to not be bothered by your child going to a non-competitive college.
Anonymous wrote:Anonymous wrote:What is UMC and what is MC?
Objectively I'd say we are UMC because our HHI ($270k) is well above the median for the DMV, but are nowhere near being able to afford a home in McLean, for example.
But I guess we live MC lives. We live in a townhouse. Our family vacations are not fancy. We do splurge on nice meals from time to time. We are pretty happy because:
- DH and I both make similar amounts of money and both have flexible, low-key jobs that allow for a lot of family time
- We have hybrid work schedules and when we do commute, it is not far.
- We live below our means so we don't stress about money
We are definitely not stressed about sending our DD to a competitive college. Worrying about that seems bizarre. We just want her to be happy and be able to support herself with a decent job. There are a lot of colleges that can deliver that.
You are not middle class.
Anonymous wrote:I thought the sweet spot was to basically be near the top of your peer group, whatever that is, and then you'll generally be content.
It's when you're in the middle of the pack or bottom that you feel the need to compete.
So if you're UMC who doesn't know a lot of the real rich and are the top of UMC, you're happy. If you're MC like the midwest families above who don't have experience with UMC, you're happy. And so on. As long as you aren't actually in physical need of course. I imagine barely poor people still aren't feeling great about their financial situation.
Anonymous wrote:I know families in the midwest who make 190K combined, raised 4 kids, and think they've made it. The kids all went to state college (think U Kansas, U Missouri), probably never heard of Amherst or Middlebury. They have like 80K left on 2.7% mortgage, drive two older model US cars, and are super happy. They have never been to Europe or Asia, don't see the need. Once every 5 years will go to Caribbean maybe Mexico. Most of the time their vacations are driving vacations. Depends on how you define MC, but there is a whole trench of MC across America who are ignorant of other possibilities, choices, avenues, careers. And ignorance is bliss.