That means our couple is actually ahead of most Americans in their age group. And they are well ahead of the 29% of retirees who, in a 2026 survey by Clever Real Estate, reported having no savings at all (4).But it’s important to note that the Federal Reserve number is the mean savings — which is heavily impacted by high earners who pull this number way up. If you look at the median savings, which is less skewed by extremes, the average is actually $185,000 (3).According to the Federal Reserve (2), the aver ...