I think of class like this, lower class, is people who start with nothing. Their parents can’t save any money for whatever reason. They have to start working as soon as they are out of school. They will probably never own anything.

Middle class is more like. The parents own a home, the child will probably own a home. They can go to college. They can move somewhere that better fits them.

Upper class to me is like “good” families, people who have homes and investments. Where the children don’t necessarily have to work. Where getting some type of education is almost expected.

The ultra wealthy to me are not upper class, they are just criminals.