As the daughter of a teacher and a secretary, I grew up with a middle class lifestyle. I went to college, became a teacher and married a teacher. Thus, as an adult, I pretty much stayed in the same socioeconomic realm. The term middle class isn't clearly defined. Yet, according to MSN money, making between 40,000 and $100,000 makes you middle class. The definition of middle class may be broad. However, after reading the MSN money article, I'm certain I lead a middle class lifestyle. Here are a few reasons why.
I'm a Home Owner
Since I was 24-years-old, I have been a home owner. I started out in a townhome and moved up into a bigger home. Like many young, middle class homeowners, I am underwater. In fact according to CNN money in 2012, "48%, of all mortgage borrowers under age 40 are underwater." Still, I have been able to adjust my mortgage. I am able to make all of my mortgage payments and we are not in any danger of foreclosure. I imagine I will be a home owner for the rest of my life.
I Have Health Insurance
My husband is a teacher so we have good health insurance. We have always had HMO insurance so we have low out-of-pocket costs to stay in good health. Of course, like everyone, our health care costs are going up. However, either my husband or I will always choose a job that provides health care coverage.
I Shop at Target
Target is a middle class woman's dream. You can get a bargain. You can buy fashionable, yet inexpensive clothing. Also, you can find plenty of eco-friendly cleaning and organic products. According to CBSnews.com, Target's customers "have a median household income of $64,000 a year." While I also shop at Wal-Mart and Dollar stores, Target is my discount store of choice.
I'm Planning to Send my Children to College
My husband and I both have several college degrees. As a result, we have been able to hold different jobs that served our financial needs. I have been a college professor, elementary teacher and freelance writer. Along with being a coach, my husband has taught elementary and special education. For this reason, we are planning to send our children to college. Our kids are both under five. Yet, we plan on setting up a college fund in the near future.
The definition of middle class may vary from one person to the next. However, I'm definitely in the middle.
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