Top 10% is basically a frugal tech-bro in a flyover. FAANG is top 5%. Assuming "over the course of at least 5-10 years" for both to get there. I doubt these are the people being discussed. These are basically millenials/zoomers that can actually afford the "American dream middle class lifestyle" - house, kids, savings, etc without an inheritance, but not much more.

Article is probably focusing on 10mil+ net worths at least, but likely "UHNWI" which are 30 mil+ who have time to think about this stuff.