Who in those income brackets can afford their house, car, and vacations?

600k for a rural house, 5% mortgage is 30k

1.5m in urban, 5% mortgage is 75k

Car is 20-40k

Food is 16k/year

30+20+16= 66 out of 70 but you aren’t buying a new car every year

So let’s say you’re spending 1.8/L on it and going 20 000km per year. CX-5 is 8.2L per 100

I believe that’s 1640L so an expense of 2952

Our number then is 30+2.952+16 for simplicity we will just say 49

So we have 21k left, for heating I found it cost 3840, again round up to 4 so we have 17k

I know what you’re thinking what about tax?

Property tax we will go cheap with 1% because we rounded the other things up. 6k

Now we have 11k

Income tax?

Thats 12 333 but we will round down to 12k

We are now -1k

Yearly vacation that you take if you’re middle class? Let’s say 5k

We are now -6k

there are more expenses of course but you get the idea