ah. se I would go with what you have but upper middle class would be 65%-75% or something and 75%-85% would be like lower upper class or such (I would use the quintiles really) and to get away from money I would consider upper class to be anyone who owns a large home with no mortage (or they are keeping their mortgage optionally), same with cars, has their retirment fully funded, paid for their kids to go to any college they wanted to and has additional money to invest in kida ideas or has money for leasure vehicles/property or vacations every year. even in the 80's