Yellow is fake gold; it's veneer and show rather than substance. We see that with the yellow cocktail music at Gatsby's party (1) and the two girls in twin yellow dresses who aren't as alluring as the golden Jordan (3.15).
I think a moderate income is income above the median for famlies in your county, but not more than 25% of the median income. The IRS usually has this info for free, but I see they are now charging $10 for this on their web site for more recent years. http://www.irs.gov/taxstats/indtaxst...=96947,00.html.
Instead, let's look at a different way to look at retirment income. I am a CSA, a Certified Senior Advisor, thus the following... The Society of Certified Senior Advisors classifies senior income in three categories (not average retirement income - but specific low, middle and high income) that makes sense to me. The amounts shown below are taken from my CSA manual (published in 2005).