Klaus Vedfelt / Getty Images Though it can be tough to save when you're in your 20s and early 30s, you have one thing on your side: time. Key Takeaways Only about half of Americans under 35 had money in retirement accounts in 2022, according to the latest data available. Among young adults who do have retirement accounts, the median balance was $18,800. Time is younger savers’ biggest advantage, since even modest early contributions can compound significantly for decades. How Many People Under 35 ...