Interesting, although not I guess surprising, how much of this applies to Australia. Things that I think don't apply include heating bills, which, while some areas need heating, are generally not the first bill to break people's finances, and there are very few areas where you would be more than uncomfortable without heating in winter.... and IRAs, the equivalent of which are now compulsory and are therefore just a marker of "had a job in high school", which might be an inverse class marker if anything.

My mother is a reasonably avid reader. My father astonished us all by reading a book over Christmas; the first book he'd opened in what has to be several years, but he's certainly more than functionally literate and also politically aware; he just likes his media broadcast. My background was poor hanging onto middle class. (At the worst times, poor as in we wouldn't have been able to afford heating and were arguably malnourished, but were luckily living in a tropical climate at the time.) But my mother is from a particularly privileged background and very strong pressure was applied to, for example, go to university and delay marriage and childbearing (and particularly the latter without the former).