I deliberately omitted most of those. ROI on appreciating assets depends on allocation and macro factors, not your socioeconomic position. You can also choose t

I deliberately omitted most of those. ROI on appreciating assets depends on allocation and macro factors, not your socioeconomic position. You can also choose to buy cheap health insurance and your employer typically covers it anyway in the US. Costs related to children like day care similarly apply to every strata and you can choose to optimize those expenses no matter who you are.