You fundamentally misunderstand what IQ is.
IQ is a quotient. The median (average) intelligence is represented by 100. The fact that you are below 100 indicates that your intelligence is below-average.
The very definition of below-average is, "lower than the majority". If this was a test graded out of 100%, with 100 representing a passing grade, at an IQ of 98, you have a failing grade.
When you say "most people are at my level or below my level", you are incorrect. By definition, if your IQ was exactly 100, you could claim that "most people are at my level". If you were at 105, you could even posit that most people are at or below your level. But at 98, most people are at your level or higher.
Your father with an IQ of 108 (seems oddly specific, the kind of info that someone is unlikely to know about a parent, so I am of the belief that the claim is bullshit) has an above-average intelligence, and is as smart or smarter than most people.
Regardless, outside of a few romps in the mud, you will lead a very lonely life. You lack the EQ to form social connections, and the IQ to do anything about it.
The fact that you think you're smarter than you are will be very off-putting with people. You might try the, "I'm smarter than I look" approach - i.e., act dumb. It might work for you.
I will say this, though. People like me need people like you, so that people focus on shit that people like you do, while people like me are free from suspicion.
But what do I know? I'm just a functioning psychopath with a tested (Stanford-Binet) IQ of 150.