> 25k saved per year is a million after twenty years with a modest very conservative amount.

Close to 25% of people in America only make 25k a year. Forget saving that much

You are wildly out of touch with the average person and their struggles to think that 25k saved per year is even remotely achievable for most people

I dunno why people keep bringing this up as some sort of gotcha. You don't save for retirement based on your average. You do it during your peak earning years. Which are far above average. And most households have more than one earner. So even a 5% savings based on a median 84k household yields over 750k in 20 years.

Like it literally is that simple.