A recent episode of “The Ramsey Show” featured 53-year-old Lisa from Waco, TX, seeking retirement advice for herself and her 59-year-old husband. Together, they have a household income of $7,700, but their nest egg isn’t quite where it should be, with her husband just a few years away from his desired retirement age. Don’t Miss: Are you richer than most people you know?Here’s the net worth you need at every age to be above average.Can you guess how many Americans successfully retire with $1,000,000 saved?The percentage may shock you.Having recently talked to a retirement specialist — something…