Edited to add - To be clear for anyone, it's Oligarchs/Billionaires paired with rampant, unfettered corporate greed. (at least in my view)
Someone reminded me that I was using dogwhistle parlance in my use of they which may have suggested otherwise.
Here are some visual aids to accompany my clarification:
We're able to just barely do those things on a just below median household income in a just above median cost of living area for one very, very specific reason: My wife's greatest generation grandparents saw the economic writing on the wall 20+ years ago and went into assisted living to give their only grandchild their house as a wedding present. If we had real housing costs while living here we'd be paycheck to paycheck without kids at best.