When you add in the filters for Black males; A Millennial making 100k puts you in the top 2%, top 7% for Gen-X.
Americans in general, have out-of-line lifestyle expectations when it comes to how much money is necessary for an upper-middle-class lifestyle. And that's part of the reason you have chicks calling in consistently underestimating how much their aspirations cost.
Whew . Sometimes you think you're not doing enough because you can't buy a Porsche 911 but got to count your blessings.