I think probably more importantly, there are relatively big jumps between the 90-99% and the top 1 to 0.1% in terms of income. If you're inside that top 10% as

I think probably more importantly, there are relatively big jumps between the 90-99% and the top 1 to 0.1% in terms of income. If you're inside that top 10% as many software developers and IT professionals are, it's clearly an upper-middle class lifestyle. Especially if you didn't come from an upper class or upper-middle class home. Not everyone moving between the 90-99% bracket stays there, and will vary as you approach retirement age. Maybe a cap on IRA value allowed to be held tax-free at a multiplier of minimum wage? Like 25x the annual pay of a full time (40hr-week) minimum wage employee for the state you live in? So if min-wage is $12/hr in your state, you can save/invest up to around 600k or so tax free. The excess to that is then taxed at trade, divestment or death.