Key Takeaways Middle class workers in their 50s have a median of $112,000 saved for retirement—and nearly half expect to work past 65 or never fully retire. Many savers didn't start out with a lot—they began saving when they could, captured every employer match, and avoided cashing out. Do you ever wonder how well other middle class people are saving for retirement? That is, what they're actually saving—and where they're saving it? The truth is that Americans' savings are messy, uneven, and often sp ...