> Where does the middle class top off? $125,000/year individual income puts you in top 10%. Is that middle class? Depends on the location and cost of living?

> Where does the middle class top off? $125,000/year individual income puts you in top 10%. Is that middle class? Depends on the location and cost of living? And no I'm not saying you should just offset income by exactly the CoL. Obviously being in a prime location has its own benefits too. But you can't just assume the benefits cancel the extra cost of living either; they certainly don't cancel for everybody. The balance is somewhere in between. (I don't have a formula.)