I make less than the average annual wage where I live, which does put me at lower-middle class for the area. I
wasn't able to afford DVC - that's why I had to sell it, lol!
Though it had also lost its "value" for our needs, too. Deluxe resorts used to cost a lot less, and discounts brought them down even more: they've gone through the roof, but my income has stayed the same. It costs less than $10 in gas for me to get to WDW, so unlike others, I have no real cost of travel to factor in. I've had to cut back in many areas to continue going to WDW, though - the ratio of cost to income has gotten too wide in recent years.