Over half of Americans have retirement accounts — but not even 3% of them hit th

While just over half of working Americans have a retirement account, very few are managing to accumulate enough savings to be considered millionaires.

In fact, the median balance in their accounts is just $87,000. The common benchmark for a secure retirement ($1 million (1)) is more than 11 times that amount. And in fact, some would say $1 million isn't even enough anymore — if you want to retire comfortably in the U.S., you should be aiming for $1.46 million now.

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The latest data (2) from the Federal Reserve's Survey of Consumer Finances shows just 54.3% of households have a 401(k) or individual retirement account (IRA).

And among those who do, less than 10% of households in each age group had $1 million or more saved in those accounts, according to a February 2025 Congressional Research Service (CRS)

Fuente original: Yahoo Finance (https://finance.yahoo.com/markets/articles/over-half-americans-retirement-accounts-091500776.html)