ok so if we assume that the average life expectancy is 90 years old with equal distribution. 1/3 of Americans are 30 years and younger. Most people saving start

ok so if we assume that the average life expectancy is 90 years old with equal distribution. 1/3 of Americans are 30 years and younger. Most people saving starting then. Looking at it that way, 1/3 seems like a high number.