But they had to find a replacement quickly when their caregiver stopped working recently. Location Matters. Wealth While an income-based definition of middle-class relies on the money coming in to a household from a job s , wealth-based metrics of middle class are more about the kind of financial situation a person is in regardless of income — like retirees or those with savings or other means to sustain a lifestyle. For four-person middle-income range, however, Idaho takes a dive into the bottom five — No. We found the families profiled here through a callout to readers on The Times’s website and social media platforms. Cramer’s Monthly Call.