People can become U.S. citizens by birth in the United States, through U.S. citizen parents (depending on the laws in effect at the time of their birth), or through the process known as naturalization. A U.S. citizen is eligible to receive a U.S. passport, which is issued by the U.S. State department. Many countries allow visa-free travel for U.S. citizens. A U.S. citizen can leave and reenter the U.S. at any time without being subject to the grounds of inadmissibility or requiring a reentry permit.
They break the saving retirement goals by the amount of your current salary you should have saved up: For example, by age 35, Fidelity suggests that you should have saved 1X your current salary, then 3X by 45, and 5X by 55.y retirement age, you should have at least 8 times your ending salary. This will help you replace 85% of your pre-retirement income, which is a better rule than saving up a million dollars.
Then multiply the number you land on by that salary. For example, this guide suggests that if you're 35 years old and earn $100,000 a year, you should have saved $140,000 by now. Among other things, this assumes you continue to contribute 5% of your salary annually, you retire at age 65, and you die at age 95. (See box for other assumptions.).