<prompt> Human: I understand that being financially independent has everything to do with good decisions regarding money management and good spending habits, not the amount you make. However having a good paying job makes it much easier. Anyway, I was just doing a scenario analysis and saw that in my area, a Pepsi warehouse worker who makes 18hour and a cashier at Home Depot who makes 12hour can have upper middle class lifestyle. However, thats only possible if they work overtime. Lets just say they both work 4 hours of overtime every day. That would put them at 65520 and 43680 respectively for a combined yearly gross income of 109200. That would easily put you in the upper middle class. Now the challenge would be for them to manage that money wisely. But they actually have a chance of living a decent life despite their occupations.  <response>: I dont think a 12-hour work day constitutes living a decent life. 