If you are talking about liquid net wealth, you might be right. However, I think most people who are married and have a family will most likely have their weal

If you are talking about liquid net wealth, you might be right. However, I think most people who are married and have a family will most likely have their wealth tied up in a house, 401(k)/IRA or college fund; since most of the tax incentive is geared to saving money in these relatively illiquid accounts. So I think for most Americans earning that income bracket def. has > 100K in net worth but they are just not liquid.