$100,000 is not a lot of money. Technically it's middle class, and it's definitely not upper middle class. Depending on where you live in the country and how many people you have in your household, $100,000 is small money. Check to Check money. And most states have shytty unemployment benefits, so if you lose your job, you're fukked.
Then you have debts like mortgage, car note, insurance, and credit cards.
A person making 100k is running the same race as someone making 40k. The only difference is one pays more money for the shyt that does the same thing.