入乡随俗，美国主流理财的现状（转），投坛过于理想化和卷了，美国退休积蓄中值和平均值如下表，median更有代表意义，因为

平均值（average）是与巴菲特，马斯克等等去平均。

The median retirement account balance in the U.S. is $87,000

The median retiment account balance by age in the US is 

45 to 54岁：115,000

55 to 64岁: 185,000

65to 75岁：200,000

75 or older 岁：130,000

The median net worth was $192,700 for the same year. The average American family’s net worth was $1,059,470 in 2022, according to the most recent Survey of Consumer Finances. 

Real median household income was $80,610 in 2023 (the latest data available), representing a 4% increase from 2022, according to the U.S. Census.

https://finance.yahoo.com/personal-finance/banking/article/savings-and-wealth-statistics-215214936.html