I agree with your point. I'm a student and can't dream of making that much money right now. However, the "point at which you become an out of touch complainer"

I agree with your point. I'm a student and can't dream of making that much money right now. However, the "point at which you become an out of touch complainer" is different for everyone. To use a cliche example, starving African children would look at you crazy if you complained about your $7/hr burger flipping job.