Old Money, New Money, and Everybody Else

Nick is part of the Old Money community, but prefers to live with the New Money in his journey to making his own way in the world. I understand this need to be (moderately) independent and to become one's own person. The difference is that Nick is making one smooth transition from Old Money to New Money, never really encountering what it really is like to not be wealthy. His home is more humble than those in the West Egg, but it is still classier and in a cleaner environment that many of the people not identified as Old or New Money. Otherwise known as "Everybody Else." Myrtle would be identified as Everybody Else due her economic status when Tom is not to be found. While Nick might be making an effort to be his own person and not mooch off of his family or even associates who are not really in the business (such as Gatsby), he is still at an advantage and does not (or will not) face the same economic struggle as Myrtle or her husband or Everybody Else. I, myself, even at a smaller scale, would identify as Everybody Else, not inheriting any family money and definitely not making any money myself (quite yet). But where is the Everybody Else line drawn? Economically (and culturally) many people are thriving during this time; The Roaring 20's was a time to start up a new business and to become famous. Anything was possible, but where was Everybody Else left? How wealthy did living in the West and East Egg require a person to be? We know that Nick is associated with money, but does not have any since his business has yet to really start up. If Nick could rent a place for $80, could other people not? And pass off as New Money?