@Another Reader... I never thought it was earned income.
My problem is I am just shy of $200k, my wife used make enough to put us over $300k no problem, however she is no longer working and her LTD is 60% of her gross because it is tax free, so our current total income my pay plus her insurance earning put us under then $300k mark, but if you gross up her insurance we are back to over $300k. Net pay works out higher as my tax rate is actually now a lower top bracket.
We are only liquid $750k, our primary residence puts us over the $1m, but that can't be used for status, for the previous 2 years we have been considered Accredited but not anymore...