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The average Vanguard account owned by a 35-year-old has $54,054.

So? Why do you find this scary? I am 55 years old and have less than that at Vanguard. That would be because I don't particularly care for mutual funds, and so own mostly stocks that are not in my Vanguard account, so I find this particular datapoint useless, and don't see it as scary at all.
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