And 401ks, for those that have decent incomes to save $19k/year + match at least. So not almost all will depend on SS, but many surely will.

But most 401ks have ridiculously low balances, with the median for people 50-59 at 150k: https://www.financialsamurai.com/median401k-retirement-balan...

48 percent of American households over the age of 55 still have no retirement savings. [1] [2] None. Zero. 401ks were a legislative hack for high income earners [3], and were used to con the middle class out of their additional pension comp. Those funds instead ended up in shareholder pockets, with a small amount provided as 401k matches.

[1] https://www.cnbc.com/2019/04/05/these-people-are-on-the-verg...

[2] https://www.gao.gov/assets/680/670153.pdf (GAO report)

[3] https://news.ycombinator.com/item?id=21827154

Those surveys are misleading though. I have a relatively small amount in my 401k because I have not been in my current job for long. Every time I change jobs I roll over the 401k balances into an IRA. So... unless someone's been in their job for 5+ years, their 401k balance may be very low.