I really wish nobody would pay attention to quintiles. They cause more confusion than anything, because they don't follow people. Even high earners spend maybe

I really wish nobody would pay attention to quintiles. They cause more confusion than anything, because they don't follow people. Even high earners spend maybe 25% of their life as high-earners and the rest of their life as low-income. That does not mean poor, just low-income. They might be college students, PhDs, doctors in residency, or just building up their careers still.