re: "They're generally the 20% who went to college and got their degrees."
I just re-read that post and have to admit that I'm wrong.
The top 20 percent are generally the 20 percent who have two, hard-working wage earners. I would hope that married college graduates fresh out of school would be in the top ten percent.
And I bet that you, OCU, are in the top five percent even without your wife's income.