What exactly do you spend your money on?

I think you are extremely naive if you think there are Chinese who are locals, who are not earning more than you, believe me, an FT's salary is considered poor these days, justifying it because it is songyuan is nothing. I bet there are still high end ktv's and restaurants out of the range of FT's with leftover pocket change from 4,400 rmb each month, rich and poor everywhere.