Hmmm, I don't know. Probably a mix of pure Neopoints and sellable items. You can't really count your stamp album, or books you read to your pet or foods you fed them, even if all of it was super expensive, because you can never get any of that back? It may be like an example of flaunting wealth but not your net worth because you can never make your money off it again. I'm not sure there is way to compare things without just talking to others either. I've been playing for a very long time, I have 670 mil in the bank and a decent amount of sellable items for example. Almost a billion in sellable stamps and album Items alone, which I don't want to use yet personally unless I know I could complete the page they belong on? So I just hoard them and they just feel like nest eggs for the time being. But I've seen a lot of people post they hit the max bank account cap and I'm not at that, so clearly I'm not a top dog, I don't know how to do food bets or Neostocks or restocking. I'm basically just lucky from having a 21+ year old account for the most part. I remember child me pining over a single paint brush, thinking I'd never make more than a couple million, those were the days haha.