Only the difference in ages and the ratio of worth to income enter the calculations. The net worth wealth index is '>2' rich, 1 average, '<1/2' poor. The number is retirement worth in current dollars. Safe and real rates of 4% and 6% are reasonable for diversified equity holdings, while half these may be reasonable for bond holdings and a quarter may be reasonable for cash holdings. The savings rate is relative to income before saving, for a replacement rate after savings, rsv=rsv'/(1+rsv'), rsv'=rsv/(1-rsv).