UBS(US:UBS) 财富FORTUNE·2025-08-05 13:09Core Insights - The article discusses the significant increase in the number of millionaires in the United States, highlighting a shift in the perception of what it means to be a millionaire, moving from an elite status to a more common achievement among ordinary Americans [2][5]. Group 1: Growth of Millionaires - The number of millionaires in the U.S. has surged, with approximately 10% of American adults now classified as millionaires, equating to about 23.8 million individuals, a nearly 15-fold increase from 30 years ago [5]. - The rise of "ordinary millionaires" is attributed to factors such as inflation, soaring housing prices, and consistent stock market investments by average investors [2][3]. Group 2: Wealth Disparity - Despite the growth in the millionaire population, wealth inequality remains pronounced, with the top 10% of Americans holding two-thirds of the nation's wealth, averaging $8.1 million per person, while the bottom 50% possess only 3% of the wealth, averaging $60,000 [5]. - Racial disparities in wealth are evident, with Asian Americans having a higher median wealth compared to white Americans, while Black and Hispanic populations lag behind [5]. Group 3: Changing Perspectives on Wealth - The article emphasizes that the lifestyle of millionaires is not as glamorous as often perceived, with many maintaining modest living standards despite their wealth [10][14]. - The concept of being a millionaire is evolving, with many now viewing it as a stepping stone rather than a final goal, reflecting a broader accessibility to wealth accumulation [11][12]. Group 4: Financial Independence Movement - The FIRE (Financial Independence, Retire Early) movement has contributed to the rise of young millionaires, who prioritize saving and investing to achieve financial independence [12][13]. - Individuals in the FIRE movement often live frugally even after reaching millionaire status, focusing on freedom and peace of mind rather than luxury [14].