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Open an IRA statement in America and you will typically find one number: $268,300. That’s the average balance held in individual retirement accounts nationwide. It’s the accumulated result of decades of paycheck deductions, employer matches, and modest market gains.

Now picture a second statement. Same government-created account. Same annual contribution limits. Same rules on paper.

Only this IRA holds $68 million.

It belongs to Gregory Baszucki. The gap of more than 250 times between his balance and the average American’s is not a rounding error…