The top presidential candidates earn more in a year than an American with a college degree will earn in 3 to 293 lifetimes, depending on the candidate. They have massive retirement savings accounts. People pay hundreds of thousands of dollars just to hear them speak.
In other words, they're not like you and me -- with 1 exception. The probable next Leader of the Free World earns bupkis on his or her deposit accounts, just like everybody else.
We gleaned this information from financial disclosure statements that Democratic presidential frontrunner Hillary Clinton and presumptive Republican nominee Donald Trump filed this week with the Federal Election Commission.
Clinton reported 2015 earnings of at least $6.5 million, while Trump listed total income of at least $615 million, according to the disclosures. Both earned income from book royalties and speaking fees. The bulk of Trump's income comes from golf course and real estate revenues.
Trump also listed total investments of at least $61 million with investment income for 2015 of at least $4 million. Clinton reported at least $5.6 million in investments and income of $122,500 or more.
What their bank accounts earn
When it comes to their bank accounts, the 2 candidates have big balances, but little income to show for it.
Trump, for example, lists 9 deposit accounts on his 104-page financial disclosure, including high-balance checking and savings accounts at JP Morgan Chase and Capital One. In total, those accounts are worth between $7.2 million and $35.7 million. (The ranges offered by candidates are intentionally vague, per congressional design.)
The real estate investor and reality show host earned between $59,702 and $126,000 on those accounts in 2015, the filing shows. That works out to an annual percentage yield of between 0.35% and 0.82%.
Clinton, meanwhile, lists a single custody account at JP Morgan worth between $5 million and $25 million. She claimed interest in 2015 of between $15,000 and $50,000, giving her an annual percentage yield of between 0.20% and 0.30% APY.
You can do better than that.
The typical money market account pays a miserly 0.11% APY, according to Bankrate's latest national survey of banks and thrifts. But several banks now offer nationally available accounts that pay more than 1% APY.
Not exactly breaking the bank, but better than the national average. And just imagine if Trump had scored a rate like that. He could have earned up to an additional $233,000 in bank account interest – or nearly 4 1/2 times the median annual U.S. household income.