While the definition of working class (https://en.oxforddictionaries.com/definition/working_class https://en.oxforddictionaries.com/definition/working_class) do

While the definition of working class (https://en.oxforddictionaries.com/definition/working_class https://en.oxforddictionaries.com/definition/working_class) does seem to include everyone who works, it points out that it is "especially in manual or industrial work". Wikipedia consensus (https://en.wikipedia.org/wiki/Working_class https://en.wikipedia.org/wiki/Working_class) also disagrees with your definition in that the working class are engaged in manual labor and not in any wage generating employment. Further, most people who have adequate capital to sustain them are basically financially independent and could effectively retire, unless they are 60-70 and have been saving for years this isn't an accurate representation of the middle class, upper middle class, possibly.