You need to be a specialist to be worth a high salary. The dumbest doctor is a smart guy. The worst MLB player was the superstar of his Little League. Many people with high incomes are not wealthy at all -- they have no money.

To be wealthy, you just need to have assets and not do dumb things. Wealthy people either inherited it or had a liquidity event. Nobody gets rich via income. There is some intelligence involved in the liquidity part, but also alot of luck. If you have inherited property in NYC in the last 40 years and didn't sell it, you are wealthy. If you operate a McDonald's franchise, you are wealthy, and probably are of average intelligence.