OK, savings rate does vary by income, according to the Fed: https://www.federalreserve.gov/econresdata/2016-economic-wel... . They only break things out into three income brackets (0-40K, 40K-100K, 100K+) - but even in the 100K+ bracket the median savings rate is somewhere between 6 and 10%, which isn't quite "max out the 401k" level. It looks like the data is available (https://www.federalreserve.gov/consumerscommunities/shed_dat...). The survey asks about level of education, what field that education was in, and number of children, so something like what you're asking about is actually checkable.