You need to understand UAW, AAW and PAW.

It describes which categories you are being. Under accumulators of wealth (UAW), average accumulators of wealth (AAW), and prodigious accumulators of wealth (PAW).

If your net worth is equal to ? then you are AAW. 

To cross the line to become the category of PAW, you need to times your ? to 2. Vise versa, if your net worth is below the amount divide by 2. You are in UAW.

Example:

Shella has $20,000 net worth. She is 23 years old and making $30000 per year. AAW is $69000, UAW is $34,500, PAW is $138,000. 

Answer: Shella is UAW.