T20 households, what is their income? Is their income enough?

I often hear some views about the household income in Malaysia which goes along these lines. T20 households would mean a comfortable life. M40 would have to do a balancing act between needs and wants. B40 would have to reduce expenses as much as possible and focus on needs day in and day out. Well, it also depends on what the different groups do with their income or maybe the circumstances. I know if they have children, they will need to spend more.