zamrznutitonovi / Getty Images Fed data shows how Americans nearing retirement are positioned on savings, debt, and overall net worth. Key Takeaways Americans ages 55–64 have a median net worth of $364,270, placing them near the top of the wealth curve heading into retirement. At this stage, wealth is often tied up in home equity and retirement savings, even as many households continue to carry debt. Nearly 78% of Americans ages 55–64 own a home, but only about 57% have a retirement account, leaving ...