Many have suggested what you're saying.
But could he afford that huge private plane if he only had 200 million?
I mean it's not a fucking "Cessna" like private planes of most of the rich people but full size converted passenger jet. You typically only see heads of major countries rollin' in that kind of planes.

I think his plane was purchased second hand. Used to be a commercial airliner.
https://www.aviationcv.com/aviation-blog/2016/facts-donald-trumps-boeing-757Usually such toys are owned by a company, not him privately
(For tax and liability reasons)
Also: Trump has a habit of beoing creative with reality. He bragged and exaggerated a lot in order to get publicity and more deals done.
It was sort of his business model
You never know how much debt someone has. Look at "normal" people: their house is actually owned by the bank. Their car by a lease company etc
All looks shine and wealthy on the outside. Trump's daughter once stated he had about 8 billion in debt
Not privately, but his companies
Add it all up and he's still rich, but very probably by far not as rich as he claims.
(I like him actually, don't agree with him on all things, but he has a refreshing and very get-it-done practical attitude)