If.. re 'Net Worth':
Owning free & clear a house / land worth ~ half a Mil puts one in the 93rd percentile!
(Assuming no other negatives in form of massive 'credit' borrowing)
Implicit is that: little equity, no savings, maxed-out CCs represents the usual situation in Murica '05.
As we've heard in many other econ tabulations.
Looks as if most of that <93% bought the Disneyland Dream of never delaying gratification and/or sent n+1 kids to Ivy League $chools or just.. made the fatal mistake of getting rilly sick in Murica sans Full-coverage.