Yes, especially when you take into account that your two married doctors will likely be working off debt/opportunity cost related to becoming doctors for over a

Yes, especially when you take into account that your two married doctors will likely be working off debt/opportunity cost related to becoming doctors for over a decade. At the point that they have paid off all debt, and start having a positive net-worth, things might turn around. At the point that they have saved enough that they can live off investing their savings then that is upper class.