Well, to each his own perspective. You have obviously worked hard or been clever or lucky at your age. A hard working thirty something person with student debt hanging over their head and difficulty scrambling up their first down payment for a home of their own would obviously agree with the survey results more than with you (so would just about anybody else living outside the USA other than in Zurich or Geneva). Your arithmetic on the calculator seems wrong. I have put in $10,000,000 a couple of times now to re-test and I get 99.5 percentile which is one in 200.
I did $10,000,000 net worth with home equity and it gave me 98.5%. Anyways, I'd say hard work, being clever and luck all factored into my success so far. Things that helped:
No student debt: Went to a state school for free. I qualified for a 100% scholarship through FL's bright futures program. Also, my mom, when I was a kid had purchased FL Prepaid program which locks you in for 120 credit hours at a low rate. She paid something like $3500 for the plan. Which ended up being a steal. So basically I had college paid for twice which allowed me to use the extra scholarship money for living expenses and food. I also finished in 4 years. Didn't fuck around like other people in my family who spend 6-7 years earning a bachelors.
Delayed gratification: I didn't do a whole lot my first 5 or so years out of college. Didn't travel. Didn't go out to eat often. I had moved away from friends for a job, so i didn't have a lot of options. Literally just saved every dime I could and put it in equities. I also didn't have any real serious girlfriends for probably 4 years after college. So i wasn't spending money on a significant other.
Real estate: This is part luck bc of the timing. By the time I had saved enough money to afford a down payment for a house, it was 2010. The bubble had popped and properties were cheap. I bought the most expensive place i could afford. It was 227K townhouse short sale that had sold for 575k 26 months earlier. I was so proud to buy that place. Since then, I've been able to pay it off. It's now worth around 475K and i've got in rented for 3k a month. With that income, I was able to buy my primary residence. Which is now conservatively worth 400k more than I paid for it. Sometimes you just get lucky.
Multiple streams of income: I make decent money at my primary job. 175-200k a year. It's solid not spectacular. So I've got the rental property, I've also got my real estate license in 2011 when everyone was saying the market was dead and wouldn't recover for years. I only do 2-3 deals a year but that usually nets me another 20-50k a year in extra income. Early on I also helped people with training and diet plans for money, valeted cars for extra money etc. Just anything extra I could sock away. I also invested in a friends business that has since taken off. That pays me a nice piece of cash every year. Again, maybe that was lucky. Born earlier, I could ahve been one of those people getting foreclosed on.
Stock market: I've been through the high and the lows of the stock market. I'm a conservative, steady investor. I basically just buy the market every month or when I see a crazy dip, like what happened during the pandemic. I didn't have a lot of money to invest in 2009-10 when the market tanked but I had gotten myself to position where I could take advantage of the corona sell off. I had already moved a bunch of money to cash before it struck and I was able to buy stocks for numbers I never thought possible. That was significant to my net worth.
Now this is all great now. If the market sells off and real estate crashes, my net worth could be cut in half but i have no debt, outside of my primary mortgage which is fairly small in comparison to most people. Oh, I also drive a ford explorer. No flashy cars for me yet. My goal was to save, sacrifice and invest early. Make my money work for me and then enjoy those fruits as I enter my 40's. Hoping Biden doesn't ruin that shit with his moronic policies.