I think this article in the Atlantic is a good benchmark of where to put the upper class line.
The top 9.9% At this point you start getting serious generational advantages as a result of upbringing.
https://www.theatlantic.com/magazine...ocracy/559130/
However, upper middle class is a thing, and "the middle class" is a notoriously flexible definition.
Also, if you make 200k and are not getting way ahead, you suck at financial management.