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.