退休时退休账号有一百万的比例，现在有10%？中位20万？

发现到这里来徒增焦虑和烦恼  :-) 
Here’s how many Americans actually have $1 million (or more) by the time they retire — and the 3 big moves they made to do it. Are you on track?

However, only a small minority of people will have that much when they clock out of work. In fact, according to a Congressional Research Service analysis of the 2022 Federal Reserve data, only 4.6% of American households had more than $1 million in their retirement accounts.

 

The same data revealed that the median retirement nest egg was only $88,000 across all American households.