Nomenclature of upper middle class aside, the wild thing here is that $40m means she’s closer to being homeless than she is to the billionaire wealthy.

She’s clearly wealthy compared to the average, but her financial concerns actually vaguely resemble that of normal people. She may not care about how much dinner costs, but she is probably acutely aware of her major expenses like housing and medical. $40m is not even close to “fuck you money”.