On: IQ rates are dropping in many developed countries

[Spooky23]

The vast majority of that is retirement savings, and the number of those folks has ballooned as defined benefit pensions have been discontinued.

[skookumchuck → Spooky23]

From page 8, only 1 in 5 is retired. Even so, claiming that retirement savings do not count as wealth seems rather odd.

You can choose to read the book and determine how it is done, and what you can choose to do to become a millionaire yourself, or you can choose to remain a victim of fate. Your choice.