If you have an investment account (That isn't a 401(k), 403(b), Roth IRA etc.) with hundreds of thousands that didn't happen from a single lucky investment (Like buying Apple or Amazon 10+ years ago), then you're probably more upper class.

Myself, outside my 401(k), I don't have any investments, mainly because I'm more concerned with eliminating my debts than taking on risks beyond my retirement account. But my wife and I make "only" $150k. If we made 300k, I might have some investments.

Again, though, we need to stop focusing on specific dollar amounts, since cost of living varies so wildly around the country. Get out of the SF Bay bubble.