While the median household income in the U.S. hovers at $74,580 and only a privileged 2% consider themselves "upper class," according to Census Bureau and Gallup poll data, it's possible to enjoy a luxurious lifestyle without a billionaire's bank account. Here are three smart ways to experience the high life on a middle-class salary.

1. Debt-Free Living:

Achieving financial freedom is often linked to the super-rich, but it's a goal within reach for anyone committed to shedding debt. By taking control of your financial situation, consolidating high-interest debt, and adopting a debt repayment strategy, you'll not only enjoy greater freedom but also lay the foundation for wealth building.

2. Second-Hand Luxury:

Luxury items can lose value quickly, making the second-hand market a treasure trove for those in the know. From designer clothing at consignment shops to high-end vehicles with significant depreciation, there are substantial savings to be had for those willing to look. Apps and online platforms also make it easier than ever to find premium second-hand items.

3. Budget-Friendly Travel:

Travel is a hallmark of the affluent lifestyle, but it doesn't require a fortune. Strategic use of travel rewards credit cards, off-season planning, and seeking out deals on cruises or house-sitting opportunities can significantly reduce costs while maintaining comfort and enjoyment.

By thinking creatively and doing some research, you can live a life that rivals the super-rich, all while keeping your wallet intact. These strategies show that luxury is not just for the wealthy but can be cleverly curated on a middle-class income.