Maybe things have changed since 2022, but per the Fed's survey that year, the median American had $8,000 in transaction accounts alone (not unrealized stock gains, vehicles, houses, retirement, etc.). Because that's a median, 50% of the population had that much or more. By age cohort, the smallest median dollar amount was under 35s with $5,400, and the largest was 65-74s with $13,400

https://www.federalreserve.gov/econres/scf/dataviz/scf/chart...