American software engineers maybe. But I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings.

> I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings

If you dont inherently know this fact then you should be grateful for a very lucky and priviliged life.

> I heard somewhere that most Americans live paycheck to paycheck or at most have a few thousand dollars in savings

Wealth versus liquidity. I'm saying you sell everything you own, pay off your debts, and then take what's left to retire on. Someone with $10mm in home equity may still be strapped for cash on account of the mortgage.