I'm probably middle-class then. We could be higher up the ladder but our rental property is negatively geared because hubby's mum and little bro live in it at significantly less than it costs him. There is a slight tax benefit to us for this. If he wasn't subsidising them to the tune of >10K/year then we'd be thoroughly middle-class. We'd probably also be able to afford kids, but don't get me started. Would I be the bad guy if I considered telling him he has four other siblings and we should sell her house and have a kid before we are too old?