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The middle class is a very big group.

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At the top is theupper-middle class, and determining if you fit into this category can be confusing.

GOBankingRates broke down the numbers andwhat you gotta do to reach that status in the new year.

When it comes to thetrue middle class, she said money is typically a bit tighter.

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If youre currently living asolidly middle-class lifestylebut want to move up the income ladder, theres potential.

Of course, putting in more hours does require a trade-off.

Take Your Time Saving for a Home

Shifting into the upper-middle class isnt a sprint.

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Build up cash and non-real estate investments, such as retirement accounts.

If youre not, you may be hindering progress toward your goal of being upper-middle class.

If you are needing to dip into savings to pay off credit cards, then reduce spending.

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Have a plan in place for extra cash when it comes your way, Blakeman said.

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