Actually, most people have an IRA or a 401K. We got more 401Ks than IRAs now, they just haven't gotten as big yet--
How many Americans have 401(k)s?
In 2011, 51 million American workers were active 401(k) participants.
401(k) Plan Assets
Billions of dollars, end-of-period, selected periods
Millions of Americans use IRAs to save for retirement. An estimated 48.9 million U.S. households, or 40.4 percent, owned IRAs as of 2012
IRA Assets
Billions of dollars, selected years
--and this means the average worker's got around $100K stashed away. Good enough.