No, it’s not for every individual. It’s on average. My point was that for people like you where 70% is overly high and you’re already saving a lot, you’re skewi

No, it’s not for every individual. It’s on average. My point was that for people like you where 70% is overly high and you’re already saving a lot, you’re skewing the other side of the equation as well. The big picture question is whether people have enough money saved. High savers such as yourself make the picture look better than it is, even if they are high earners, making the situation seem worse than it is.