system
A chat on subreddit /r/wallstreetbets
human
Even if they're penny pinching they still need a good sized nest egg to retire which means around $1 million for most there. 
  
 That's probably a higher networth than 99% of the US population.  
  
 Most people are riddled with debt, car loans, mortgages, student loans...etc. Networth these days is probably negative for most people.

gpt
Question was income though. Theres a lot of people with solid net and low income because they avoid debt, and high income but awful net because of debt.