And they have some wealth, usually tied up in their home or a modest retirement savings account.
而且他们有一些财富，通常是在他们的家里或一个适度的退休储蓄账户上。
英语百科
Retirement savings account
A retirement savings account is a type of retirement plan account that is envisioned to replace all three different types of individual retirement accounts that are currently used in the United States: traditional IRA, Roth IRA and Simple IRA. Contributions would be made on an after-tax basis. This is a major part of what the George W. Bush Administration's so called "ownership society."