TBF most ppl reading/posting on HN are part of the elite.

Elite doesn't imply "more money than I know what to do with" it simply means being closer to the upper end the of income and/or wealth distribution, or failing that, being part of some cultural generation that gives you more influence than the average bear, i.e. journalist, university prof etc. The cutoff for being in the 20% of household income in the US is $175K. From what I understand that's one entry level FAANG income.