I don’t know, $1000 extra income is less than $10/hr extra than someone who can’t save this money. This hypothetical person still can’t save for retirement and they definitely don’t have a house cleaner. $10/hr could be the difference between a junior and a more senior UAW worker. Or the difference between a UAW worker and a Toyota one. I can’t call any of these workers rich. These aren’t the rich people in my mind.