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Why aren’t most Americans rich? These theories may help explain it

What does it take to become wealthy?

Most Americans believe it takes $2.4 million in personal net worth, or nearly 30 times the actual median net worth of U.S. households to be considered wealthy, according to The Modern Wealth Index, a May 2018 study by Charles Schwab and Koski Research, a market research company in San Francisco.

But with the median net worth of Americans currently hovering at $68,828 per household, most hardworking Americans are far from being millionaires. In fact, one in five Americans say they have more credit-card debt than they do in emergency savings and less than 40% of Americans say they have enough savings to cover a $1,000 emergency room visit or car repair.

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