200k puts you in the top 5% of households in this country. That we don't look at that as at least upper middle class says a lot about us.
At some point when I was a(n older) kid, my father once mentioned to me, (not quite in these words but this was the gist) that if we would not be living a frum lifestyle, his income is the income of people who take international vacations multiple times a year. (This was def pre DDF, he means paying cash money for it...) but as we're frum he chooses to spend it on Yiddishkeit.
He never, ever asked for a break on tuition. He may have asked for a longer term payment plan but never a break. My mother often went YEARS without seeing her family (mother/father...) who lived in the UK. (Preinternet too...). They never renovated their house. (OK, this year they re did ONE bedroom - that hadn't been used as a bedroom since they bought the house 25 years ago - and only becuase a family member needed to move in with his family for a few months, and a couple of years ago they replaced the broken panes of glass (sorry Ma, I just lost control of my fastball...) around the front door with a nicer window when my sisters started shiduchim...).
They never ate out, as far as I know, more than pizza/felafel... A siyum or birthday was a large plate or two to go from Olympic Pita - for the entire family.
My father got a silver menorah when my mother won one in a chinese auction... after she'd been putting in for it for decades...
China for shabbos was the same thing...
Oh, he's a doctor, owns his practice and has been taking home north of 200k for quite a while...
I forgot... they also live in Brooklyn...