My brother, I didn’t say it was “nothing”, I said it was middle class. I worked a second job in the evenings to save up enough to afford the first boat. Then I sold the first boat for the same amount I paid for it and used that plus some savings and a small loan to afford the second boat, which I just paid off. And I drove a rust bucket for an extra five years so I could afford to save for the second boat. I didn’t just have a spare $45k laying around. And even if I did manage to save $45k over a decade, that’s still not rich by any means.

Middle class is not rich. Fundamentally, it means you have to work for a living and make more than the bare minimum needed to get by. Middle class means you can save a little and be able to afford a little nicer house over time, a decent car, and a few luxuries. If you only make enough money to scrape by with no ability to save, then you aren’t middle class, you are poor. Being middle class also means you need that pay cheque every two weeks and that you are vulnerable to becoming poor if you lose your job.