The optimal net worth chart currently follows a curve which looks like this. Over time, this curve will flatten, but it will probably always be decelerating.

90% of people will underpreform this curve over their lifetimes. This is due to gaps in knowledge, big purchases, or inefficient trading.

Outperforming this curve over your lifetime is very difficult and only a small minority of people will do so.

https://i.nostr.build/1tJ8w0CcOnH1PTUh.jpg