average!= trimmed average and the real number to use is median. the upper and lower percentiles skew the data sooooooooo much. in statistics, one of the first t

average!= trimmed average and the real number to use is median. the upper and lower percentiles skew the data sooooooooo much. in statistics, one of the first things you learn is to not make decisions based average, but used trimmed averages and median. 121k net worth is NOT a good number to be sitting at when you are 45, let alone at 65. that is. savings rate faaaaaaar below what you need to provide for yourself in old age one you can no longer earn income. we do not want to generate a class of people reliant on aid for basic subsistence. also note that net worth is not liquid for most people. people can't live without shelter, or without transportation to their jobs, and so they cannot liquidate their car to tap into their net worth for food costs. 121k median means peoples net worth doesn't even come close to covering their shelter requirements. for most people money isn't even working to get them by day to day, let alone working two functions of today, and saving for tomorrow.