You’ve probably been told about the millions you need to retire. The numbers are so big it seems pointless to even start. So how much do you need an how much does everyone else have?

To crack the top 10% of retirees, your net worth needs to hit around $1.9 million. This is well above the average retiree, whose net worth is to $280,000 and 20 percent of adults ages 50 and over have no retirement savings at all.

It’s easy to be close to average, don’t look at the top 10% and decide not to start, many of those at the top started where you are today, and yes some were probably born into that bracket.

Starting now will quickly get you off the bottom rung, and even if you don’t make it to the top the view from the side of the mountain is going to be much better than the view from the bottom.