Northwestern Mutual says you need $1.46M to retire now. Meanwhile, Fed data shows the average retiree’s net worth is about $400k (most of it locked up in a home).
That makes sense once you understand that lifetime earnings in the U.S. are only about ~$1.7M. To reach that figure with wages, after taxes and just by existing? Unfathomable.
So your real options are:
• Holding 1000x memecoins
• Winning the lottery
• Hitting big with some degen prediction-market game
• Start saving aggressively from day one and never stop
Most people won’t choose the fourth option when it’s too late. That’s the logic of the game.
That makes sense once you understand that lifetime earnings in the U.S. are only about ~$1.7M. To reach that figure with wages, after taxes and just by existing? Unfathomable.
So your real options are:
• Holding 1000x memecoins
• Winning the lottery
• Hitting big with some degen prediction-market game
• Start saving aggressively from day one and never stop
Most people won’t choose the fourth option when it’s too late. That’s the logic of the game.
