But the data shows it’s not doom and gloom for all Americans. In fact, many are seeing their retirement accounts grow steadily. Despite market volatility and an uptick in hardship withdrawals, the average 401(k) balance grew by 11%, up to $146,000, according to Fidelity. And Vanguard’s data shows a similar trend. The average account balances Vanguard administers rose 13% in 2025, hitting a record $167,970
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Bill Gurley：不热爱工作的人最容易被 AI 取代