Upper middle class lifestyle

1. Owns and lives in a private property. Must live in the private property.
2. Drives a big, branded European luxury car.
3. Overseas holidays at least 2 times a year.
4. Eat at expensive restaurants at least 2 times a week.
5. Wears branded luxury clothings, shoes, watch, accessories, etc.

Upper class

For the upper class (high class), they will own at least 2 investment properties in addition to their private property home (these families own 3 or more private properties). They can afford to pay the high ABSD for multiple properties.