"For a family whose household income is exceeded by one-third of the population", in other words "rich". Yes, it's only 30% household income in extra spending!

"For a family whose household income is exceeded by one-third of the population", in other words "rich". Yes, it's only 30% household income in extra spending! And perhaps with a lot of effort it can be lowered to 10-15% extra spending. This is a lot, especially when you don't have such an enormous amount of leeway in money that you can just move somewhere else.