No. 200k (the TFSA - Tax Free Savings Account) is top 0.2% for clients born in 1998. This is not the entire population but its still impressive because you can only contribute ~7k (varies per year) a year from turning 18 in a TFSA. So for OP, born in 1998, he was allowed to contribute 68k of net deposits and he grew that to 200k.