If you use 'df -h' does this show about 98GB used on your hard drive? APFS uses a container and volumes within that container that grow as needed. What you see in 'diskutil list' is the size of the various APFS volumes rather than the containers. E.g:

/dev/disk0 (internal):
   #:                       TYPE NAME                    SIZE       IDENTIFIER
   0:      GUID_partition_scheme                         500.3 GB   disk0
   1:                        EFI EFI                     314.6 MB   disk0s1
   2:                 Apple_APFS Container disk1         500.0 GB   disk0s2

/dev/disk1 (synthesized):
   #:                       TYPE NAME                    SIZE       IDENTIFIER
   0:      APFS Container Scheme -                      +500.0 GB   disk1
                                 Physical Store disk0s2
   1:                APFS Volume Macintosh HD            269.6 GB   disk1s1
   2:                APFS Volume Preboot                 86.1 MB    disk1s2
   3:                APFS Volume Recovery                2.1 GB     disk1s3
   4:                APFS Volume VM                      3.2 GB     disk1s4
   5:                APFS Volume Mojave Beta             38.7 GB    disk1s5


MacBook:~ rhe$ df -lh
Filesystem     Size   Used  Avail Capacity iused               ifree %iused  Mounted on
/dev/disk1s5  466Gi   37Gi  173Gi    18%  819616 9223372036853956191    0%   /
/dev/disk1s4  466Gi  3.0Gi  173Gi     2%       3 9223372036854775804    0%   /private/var/vm
/dev/disk1s1  466Gi  251Gi  173Gi    60% 1767851 9223372036853007956    0%   /Volumes/Macintosh HD