If you've spent the past few decades quietly maxing out your 401(k), paying off your home, and skipping the flashy cars in favor of financial security, you might be wondering: Did it all add up to enough? For many people in their late 50s or 60s, there's a lingering question that never really goes away—Am I actually in the top tier of retirees? The million-dollar benchmark still carries a certain weight. But how rare is it, really? According to the latest Federal Reserve Survey of Consumer Finances, reti ...