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> the mean wage and salary USA personal income, which is $66K USD in 2019.

No, the mean wage and salary personal income in 2019 was $51,916.27 (the median was $34,248.45.) [0] Both of those are across the employed population, whole population figures will be lower.

66K is roughly (but not exactly, but maybe a ”real” figure using earlier base year constant dollars) 2019 median household income.

[0] https://www.ssa.gov/oact/cola/central.html




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