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The Average Person Actually Retires With This Much (Not Good) Most people assume retirement will “work itself out” as long as they save something. The numbers tell a very different story. In this video, we break down the uncomfortable truth behind average retirement savings by age and reveal how much the average person retire with once they actually stop working. The gap between expectations and reality is wider than most people realize, and it’s getting worse. Using the latest retirement savings statistics, we look at what real households are walking into retirement with, including the average 401k balance at retirement, and why that figure is far lower than what most retirees actually need. This is about understanding why most people can’t afford retirement even after decades of work. We also explain the retirement savings crisis, focusing on rising living costs, longer lifespans, healthcare expenses, and the silent impact of inflation. If you’ve ever wondered what average retirement savings is enough, this breakdown will make the answer clear. More importantly, we talk about how much money you really need to retire comfortably, not just survive. This includes the retirement planning mistakes most people make, especially those that quietly compound over time and hit hardest in your 50s and 60s. For the middle class, this is a serious retirement reality check for middle class households who did “everything right” but still feel behind. This video is also about clarity. Because the sooner you face the numbers, the more options you still have. CONTENT 00:00 Start 03:00 What $200,000 Actually Means in 2026 05:48 How Did We Arrive At This Point? 08:59 Loan and Debt 11:42 What Do You Do If You’re Behind With Your Savings?