Around 50% of the US working population earns $30,000 or less a year. Good luck saving 10k or 15k a year at that income level. Tangentially, at the typically s

Around 50% of the US working population earns $30,000 or less a year. Good luck saving 10k or 15k a year at that income level. Tangentially, at the typically suggested 4% yearly withdrawal level you'd need more like $1.5 million to retire at the ~$60k median income level. Also sort of unrelated I thinks it's interesting that about 50% of people can earn under $30k, but median income is still twice that.