這篇文章說普通人60歲401k平均57萬，中位21萬，兩口子咋算也到不了兩三百萬

https://www.empower.com/the-currency/life/average-401k-balance-age

50s	$592,285	$252,850
60s	$573,624	$210,724
70s	$431,962	$106,654