一位经济学教授基于2022年消费者财务调查数据发布研究，揭示了美国人实际净资产的分布情况。根据这项分析，美国家庭的财富水平普遍高于公众预期1。
研究表明，美国人的净资产主要受年龄影响而非收入决定1。在财富积累方面，中位数家庭在30多岁时净资产已超过6位数1。更具体地说，处于75%分位数的人群在50多岁时成为百万富翁，而90%分位数的人群约在40岁时达到这一里程碑1。到了70岁左右，中位净资产达到峰值约40万美元1。即使进入80岁以上，美国人的净资产通常仍高于30年前的水平1。
该研究指出，财富与生命周期阶段的密切关联表明，大多数美国人通过常规工作和储蓄可以获得显著财富1。教授的分析还显示，65至69岁最富有人群的净资产是18至24岁最富有人群的约30倍1。基于这些数据，研究估计约60%的美国人即使没有社会保障也能舒适退休1。
An economics professor has challenged conventional perceptions about American household wealth by analyzing data from the 2022 Survey of Consumer Finances.1 According to the research, the actual net worth of Americans significantly exceeds popular assumptions, with the median net worth surpassing six figures by the early thirties.1 The analysis reveals that 75 percent of Americans reach millionaire status by their fifties, while those in the 90th percentile achieve this milestone around age forty.1 The wealthiest Americans aged 65 to 69 possess approximately thirty times the net worth of their counterparts aged 18 to 24.1
The study demonstrates that wealth accumulation depends primarily on age rather than income level, suggesting that most Americans can build substantial assets through conventional employment and consistent savings.1 Median net worth peaks at approximately four hundred thousand dollars around age seventy, and Americans over eighty typically maintain net worth levels higher than those of thirty years prior.1 Based on these findings, the professor estimates that roughly sixty percent of Americans could retire comfortably without relying on Social Security.1
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