I'd like to see a spending breakdown. I wonder just how much of that 50% of spending is stuff that the bottom 90% would actually be competing for -- eg: an expensive bathroom remodel, a luxury car, etc, vs something basic such as tennis shoes or groceries from the local market.

Does it matter? Most people need a car in the US. But if cars are marketed and designed for the 10%, this squeezes out everyone else.

> I'd like to see a spending breakdown.

Because I live in a low cost-of-living city, locally I'm well within the top 1% of income earners here and within the top 5% nationally. My day-to-day life is not significantly different from my next door neighbors who earn 1/4 or less than what I do. Where the difference in spending happens is primarily in three ways:

1. Quality of goods and services

This is expressed in many ways, but maybe the most obvious is basic daily necessities. Health is wealth, and we invest in our health by being much more conscientious about what food we eat, where it comes from, and how its prepared. We cook at home, as do our neighbors. But our neighbors do it to save money vs eating out, we do it to emphasize our health vs eating out. It would probably be cheaper for us to eat out every meal vs cooking at home, but by eating at home we only consume high quality groceries packaged in a way to minimize our exposure to microplastics and other environmental contaminants (although it literally rains microplastics now, so it's basically impossible to eliminate). We have tens of thousands of dollars in equipment installed in our home to filter the water we get from the city so that we are drinking, cooking, and showering with effectively "perfect" water, where our neighbors just use what the city provides that is technically "safe" but contains PFAS, microplastics, and pesticide contamination.

This also comes about in other aspects, for instance I recently replaced the tires on my car. I replaced them on time, within the appropriate wear levels for replacement. I bought the highest quality tires that were available, without consideration of cost. Most of my neighbors drive on tires until they start to wear through to the steel belts, well past being bald, and buy the cheapest tires available. It was $1250 for new tires on my car, mount and balanced and installed. It would have been $380 for the cheapest tires with the same service, so I spent almost 4x as much but have significantly better tires (and I understand the importance of this).

2. Non-essential services that improve our quality of life

We have a company that manages our mowing and landscaping so I don't have to do it myself during hot Texas summers. I am a competent DIYer but hired people to fix my roof, retile my shower, and do various other home repairs I could have done myself but could afford to hire out. We have bi-weekly house cleaning, because while we keep a fairly clean house ourselves, it's nice to have someone come in and clean every single surface on a regular basis which goes far beyond what we do day-to-day, we even pay extra for a housekeeping service that uses ecofriendly products with minimal direct environmental impact (e.g. are not bad for you to be around, like just using plain vinegar in many cases) and trains their staff specifically on using these types of products which require specific workflows to work effectively as the trade-off to being much safer. I have a mobile detailer come by once in awhile to clean and detail my car and my wife's car inside and out, both of our vehicles are ceramic coated and tinted, we got our home windows tinted as well. It's nice being able to get into a clean car that isn't an oven without having to invest a lot of effort yourself. When I was younger I'd go to a self-spray car wash and feed in $8 in quarters and spend 2 hours going at it myself, but now I don't have to deal with it. My neighbor DIYes all their fixes and spends a Saturday doing a 3-bucket wash on their truck when they get time, they clean their own house and do annual spring cleaning around the time the city does bulk pickup.

3. Additional expenses related to health and hobbies

My neighbor has weights in his garage and a treadmill and works out every day. I have a gym membership, my wife does pilates and yoga classes. My neighbors have several hobbies, but they're hobbies that mostly involve minimal equipment and can be done in public places like parks. I have several hobbies, and while some are pretty cheap, several are fairly expensive and require private memberships or land lease/ownership to participate in. I don't know how often my neighbor goes to the doctor, we don't really discuss that, but my family has a Direct Primary Care membership, goes to the doctor when we need to without any concern, and in a few instances we'd use in-home/concierge health services like nurses on-call that can come give you an IV at home w/ fluids + Zofran when you've got a stomach illness. I would guess my neighbors avoid going to the doctor unless strictly necessary and when they do, they go down the street to urgent care and wait in line.

From the outside, or even inside our home, we don't live a significantly different life than our neighbors. We don't life an particularly affluent gated community, we just live in a normal neighborhood in the city in a normal house with mostly blue collar workers as neighbors. But because we can afford it we spend on our health and on ensuring if we're going to buy something its of the highest quality we can acquire. We don't have a lot of "stuff", we don't need a lot of "stuff", but if we get something it's the best of that thing available.

> I wonder just how much of that 50% of spending is stuff that the bottom 90% would actually be competing for

My observation anecdotally is that everyone wishes they had better stuff and could afford to spend on their health, and they may do so sporadically. You don't need to be rich to get a gym membership or to do yoga, you don't need to be rich to shop at a farmer's market or high-end grocery store for /some/ things. But you pretty much do need to be rich in order to prioritize these things over cost and budgeting. Normal groceries are already expensive for most people, so spending even more to get healthier quality groceries is out of the price range to do for every meal, but it's something people do when they feel they can. Does that qualify as "competing for"? I don't know. But I think the economic gap, partly driven by out-sized inflation, is real, and it is absolutely damaging to most people.

EDIT: Just to add on, I've moved around a bit, but lived in this same city nearly 15 years ago and live here again now. The differences in what the average person can afford are astounding. I think most people had access to higher quality food, for one thing, 15 years ago. Groceries are so absurdly expensive now that the average person is struggling to afford anything, much less high quality things. That's just unacceptable as a country, and if you can't get your basis necessities met in a way which enhances your health it is completely understandable to feel bad about the world. I feel bad about the world and I'm far wealthier than most people around me. Our system in the US is broken, and I feel powerless to fix it, even as I am personally advantaged by it.

We're in the lower half of that top 10% by household income.

Our money, aside from basics on which we don't spend so differently from when we made a lot less money, mostly goes to:

1) Optional but advantage-conferring or life-improving things for our kids. This is probably the biggest single category, by a long shot. This takes the form of lots of stuff.

- Mental health care that we'd have had to forego or spend a whole lot less on when we had lower income. YMMV but this one has hit us hard and we'd feel awful if we couldn't afford to at least try all reasonable options—which has been goddamn expensive. Guessing it's similar for anyone with a kid with chronic physical issues, too. There are things you can spend money on above what insurance will pay for, or to get way faster than the months it might take to work through processes insurance is happy with. If you can, you'll feel like you must. If you can't, you just... can't.

- Taking the kids to the doctor or urgent care just about every time they probably ought to go but it's not strictly necessary ("this laceration ain't gonna kill them... but if they get stitches, it won't scar nearly so badly, so let's take them in" or "I bet that's a hairline-fractured finger bone, and we can do just as well splinting that at home with like $30 or less in supplies... but let's go let them x-ray it just in case it's something worse" or "they might get over this infection but it's trending worse and I'm starting to see red lines in the skin... so instead of rolling the dice, let's go pay the gatekeeping fee to get the antibiotics I'm 100% sure they'll be prescribed after a 5-minute chat with a nurse practitioner, and that'll clear this up in 36 hours flat even though it'll cost us a few Benjamins since we haven't hit our deductible for that kid yet").

- Spending on optional education stuff.

- Spending on lots of activities that might cost as much as $200/wk or require a couple hundred dollars up-front in equipment, giving the kids a broader set of experiences without having to go "no, you can't try all three of those, you just have to guess which one you'll like and then that is what you do for at least a few years" or just "no, that's too expensive" (though, to be clear, many things still are. Most of the more-interesting summer camps still give us pause, by which I mean we have yet to send any of our kids to any of those because they're so friggin' expensive, though it's not quite out of reach of even being a discussion. Though, if we had only one kid to pay for on the same income, that'd be another matter...).

2) Spending at local businesses of a kind and degree we definitely didn't engage in when we had lower incomes, earlier in our life. Gives a feeling of satisfying a kind of noblesse-oblige to help keep local businesses alive, and we get really nice chocolates or great pastries or whatever in exchange.

3) House improvements or repairs that we'd have never done or have tried to defer as long as possible when we were poorer. Sometimes, paying to have a thing done that we'd have DIY'd before. This can be a really big category some years.

4) We don't do a ton of traveling, and don't do any remotely luxury-tier stuff (I think a $150 hotel room is expensive no matter where it is or how nice the room, LOL) but we rarely decide we want to take some kind of trip and then have to abort because we can't find any route to doing it at a price we find tolerable. So we do travel more (mostly stuff like visiting family and friends, or little weekend get-aways in the summer) and spend more on it than we probably would if had a significantly lower household income, though it's a relatively small proportion of our spending.

5) A couple summers when we had a frustratingly-healthy lawn and a goddamn HOA we paid someone to mow our lawn. We definitely wouldn't have done this when we made less money. Tiny amount of spending in the scheme of things, and not something we kept doing, but an example of the kind of little service we occasionally splurge on. Some people spend on this sort of thing basically full-time (or house cleaners, say—we've done that, too, though only occasionally, and wow does that feel weird and uncomfortable to someone who came from a sub-upper-middle-class midwestern background... actually, so did the lawn mowing, and so does hiring e.g. plumbers, I always feel like I ought to be helping them) but we just keep it in mind as something we can periodically pay for to make our lives a little easier for a while, in some circumstances. Damn nice to be able to, but not a big-ticket spending thing for us. It is a category of thing that sees almost zero spending under that 90th percentile mark, though, I bet, is why I bring it up.

6) When basic consumer goods break we usually replace them basically instantly (maybe used if we can, not new, but still). Even if the cost is in the hundreds of dollars. No delays or long stretches of going without like when we were poorer. I'm sure this causes a higher overall rate of spending. Minor, compared to some of the above, but it's a thing.

No clue if we're representative. We spend like we're fairly poor on stuff like cars, and lots of people in our income-range definitely spend way more on that than we do. Ditto the travel thing, I think we probably spend less overall on that than many folks with similar household incomes.

No hugely-expensive hobbies, which is where some folks' money goes I think. None we couldn't have supported about as well when we were at more like the 60th percentile, none that we've opened up the money-spigot on just because we can. We cut down or eliminate collections of stuff we accumulated in earlier years far more than we accumulate that sort of thing, having almost-but-not-quite no active collecting habits between us. Not big collectors. We thrift clothes, still, a lot. I buy most of mine aside from socks, underwear, and knits on ebay, LOL.

A lot of our money also goes to paying for a house in a nice school district (file under: "technically-optional spending on the kids to improve their life prospects") without compromising tremendously on size or house quality, but I don't think that counts as "consumer spending".