Over 90% are more or less average
You cannot buy intelligence. My grandfather was a Russian immigrant, arrived at Paris Island 11 years old with a suitcase, traveled in the steerage section of the ship (cheapest tickets), slept on the floor in his cousin's tenement apartment in a bad part of NYC, he was unschooled, could write poorly but could read.
He became a retired a millionaire at 48. He started out selling mens socks and underwear from a pushcart in New York City in the 1910's. But Louis was near genius level. He invented a new way to cut patterns in the garment manufacturing trade and ended up owning a managing share in a high-end ladies sports wear factory.
He was smart, self-educated and in a very different era he worked his way to the upper middle class. Three of his grandchildren are doctors: Two MD specialists and one PhD. My sister is a collage graduate ( just a BS Degree ) and then there is me -- I am like my grandfather but in a sleazy business -- oh well. I have traveled world wide more than my grandfather now and one day with some hard earned luck I may have more money than he ever had ... that won't be easy but I will keep trying. That is $10,000,000 = (1,000,000 in 1948) that is a lot of assets ... I'll never be a billionaire probably and it never really bothers me.
When Grandpa died in 1977 he left me $5,000.00 hardly a head start in life ...