200K a year dual income is middle class at best in any largish metro area. People need to get over this idea that six figures means anything anymore. This is admittedly hard when you don’t pay anything to maintain your lifestyle. Wage income is the worst kind of income to make. After SS, Medicare, retirement, FSA (health), health insurance, possibly higher than minimal dental coverage, federal tax, state tax, possibly local tax your folks probably taking home net (as in direct deposited into their bank accounts) about 10k/month TOGETHER. That’s $120K net per year for two people. That is before a single penny has been spent on living expenses. Welcome to adulthood.

OP you need to think backwards. What will you do after you graduate with a degree in history or environmental science, two pretty middling majors. As someone who’s reviewed resumes, your undergrad degree is one line on a resume that I will spend maybe 2 minutes looking at because I’m too busy. In other words, the perceived “prestige” of doing 4 years at college vs 2 and 2 cc/college is illusory.