It is difficult to accurately define the top 20% of income without specific information about the country or region in question and the time period being considered. Income levels can vary significantly depending on the cost of living, economic conditions, and other factors.

In general, the top 20% of income earners are those who earn more than 80% of the population. In the United States, for example, the top 20% of income earners have a household income of at least $150,000 per year. However, this figure can vary depending on the cost of living in different parts of the country and other factors.

It is important to note that income is just one factor that can influence an individual's overall financial well-being. Other factors, such as expenses, debts, and assets, can also play a role in determining a person's financial situation.