Many high-income earners have a disconnect from the reality of the average American. They often live in an unimaginable ivory tower, with little understanding of the everyday struggles that most people face. However, the average high-income earner, who earns $500,000 or more annually, typically has about $2.68-$3 million saved towards retirement. This means that the vast majority of them have about 5 times more in their retirement account than the average American, who retires with an average savings of $537,000.