I guess in general to me those summarize the Middle Class choice. Being middle class means 1. Trading marginal time for additional income/wealth. An example wo

I guess in general to me those summarize the Middle Class choice. Being middle class means 1. Trading marginal time for additional income/wealth. An example would be renovating your own home on after coming home from work, or being a single unit landlord and having to fix the toilet. You're trading netflix time for additional wealth generation 2. Locked in choices, choosing to own a home is a choice to accept whatever circumstances come in the next 10-25 yrs. You. lock in the the choice and the outcome (home ownership at a certain future date). Any returns beyond that are "luck" but smart middle class people make choices with high likelihood of good outcomes Convenience is a luxury of the upper class.