Vanguard's alarming state of retirement in 2026: The average American has $167,970 in their account—or they have $44,115 | Fortune

Women have better retirement savings habits but lower 401(k) balances than men, Vanguard finds

While women tend to save more of their paycheck for retirement, they have lower 401(k) balances due to other factors, including wages that trail men's earnings.