Research shows that the average American would have a six- to seven-figure income if the nation’s wealth were distributed equally.
Nearly two-thirds of America’s private wealth is concentrated among the top 10%, leaving just one-third for the remaining 90% of the population. But research suggests that if wealth were distributed equally, each person would receive about $471,465—$942,930 per couple and $1.89 million for a family with two children, Upworthy reports.
Although the U.S. holds the world’s largest amount of
privately held wealth, $160.35 trillion, many Americans live their lives in financial stress. In addition, 68% lack enough savings to retire, 56% struggle with the cost of living, and 45% worry about debt. Much of the financial strain stems from the heart of America’s wealth being held by a small segment of the population.However, if the nation’s wealth were distributed evenly among the 340 million people living in the United States, it would be a life-changing boost for
the vast majority of Americans. The average family could easily pay off their mortgage, save for a comfortable retirement, and fund both children’s college or trade school. There would be plenty to cover the cost of groceries, afford a car, and go on a regular vacation.Redistributing America’s wealth is largely a thought experiment. A sudden, drastic redistribution would require liquidating investments to transfer assets, potentially destabiliz
ing the economy. The resulting surge in wealth for many, without a corresponding increase in goods and services, could trigger extreme inflation—similar to how the government stimulus during the COVID-19 pandemic temporarily lowered poverty to a record 7.8% in 2021 but contributed to historic inflation.Such a shift could discourage work and innovation, and some argue that those with wealth-generating skills would quickly rise to the top again, leaving others behind. Without fundamental changes to the capitalist system, a one-time radical redistribution of wealth likely wouldn’t be sustainable in the long run.
The research highlights the extreme wealth inequality in the U.S.
, the world’s richest nation. While achieving full income equality may be unlikely, Americans can still make a meaningful impact through targeted measures like stimulus payments, child tax credits, and Universal Basic Income to reduce poverty and improve lives.RELATED CONTENT: Numerous Actions To Help Black Americans Build Wealth In 2026