[withinboredom]

I suspect you have no idea what the “top 5%” looks like (in the US).

The bottom of that 5% looks like extremely upper middle class. Big houses, probably a vacation somewhere nice once a year, new cars fairly regularly, etc.

The middle most likely live in gated communities, with any kids going to private schools. They fly first/business class everywhere and can probably even afford to buy one of those tickets at a moments notice. Their closet is worth more than most people will earn in several years of working.

At the top end, these people have multiple tennis courts, pools, basketball courts, etc in their back yard. If there is something they want, they most likely have staff on hand to handle it. If they want to go somewhere, they hop in one of their private jets, helicopters, or chauffeured cars and go there. Oh, and they have a team of lawyers ensuring they never pay a dime in taxes.

Source: spent some time with each of these personas in my life.