As with many terms describing social class, working class is defined and used in many different ways. One definition, used by many socialists, is that the working class includes all those who have nothing to sell but their labour. These people used to be referred to as the proletariat. In that sense, the working class today includes both white and blue-collar workers, manual and menial workers of all types, excluding only individuals who derive their livelihood from business ownership and the labour of others.

Emphasis mine. I’m not sure how the OP differs in this definition. If you HAVE to work to survive, you aren’t earning a livelihood from ownership and the labor of others (passive income).