鼓勵消費，不存錢。net worth 進入top 1%再擔心不遲。

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The average retired adult who dies in their 60s leaves behind $296K in net wealth. $313K in their 70s. $315K in their 80s. $283K in their 90s.

The top 1% of net worth in USA in 2022 = $10,815,000

The top 2% of net worth in USA in 2022 = $2,472,000

The top 5% of net worth in USA in 2022 = $1,030,000

The top 10% of net worth in USA in 2022 = $854,900

The top 50% of net worth in USA in 2022 = $522,210

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