Average Net Worth In 2026 - By Age (Not What You Think)
Video Overview & Insights
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AVERAGE NET WORTH BY AGE:
I'm a carpenter and build affordable rentals. I do all of the work myself without any hired labor to help me except for on concrete days. I was able to retire with zero debt at 30 with three homes and four eightplexes.
Throughout Your 20s:
Average Net Worth: -$23,704
😂😂😂 You are delusional 🤣... You live in lala land if you think the average worker can save 2 Months of income per year. You detouches from reality if you think that a person that earns $3200 per month pays $1800 rent, $600 for his third hand POS Car, plus $200 car insurance, plus gas can save 2 months of income per year.
Median Net worth: $7,638
Average Net Worth Late 20s: $113,084
Your ways. Above the curve
Top 1% Income: $650,000 / Year
Top 1% Net Worth: $350,000
Those retirement numbers aren’t adjusted for inflation 1.2 million 30 years from now is more like 400,000$
To Do In Your 20s:
Build Your Credit Score
Looks like retirement won't be in the United States for me...even with net worth 2x the average for my broacket.
Open Up A Roth IRA
Save 20% Of Your Income
"Do what you can to support the social safety net"? I'm struggling to see how that is at all relevant to the individual's personal financial well-being
Start Investing
Throughout Your 30s:
Money is a disease that we will cure by the end of this decade. That is a promise!
Median Net Worth: $35,649
Average Net Worth: $317,171
Hi Graham
These data points are super nice to see, thanks alot
Even though i live in Denmark (europe) i still compare all the stats and such to myself, just with a grain of salt (especially the tax system is completely different), but I do still learn a bunch of stuff watching your videos
Top 1% Net Worth: $956,000 – $4,034,486
Median Income (Age 35): $61,500 / year
I save 70% net despite earning 30k & i dont c I can retire in nxt 10 yrs ... bcz as u age your survival costs go up
Average Income (Age 35): $82,871 / year
Top 1% Income (Age 35): $400,000 / year
6,738
Top 0.1% Income (Age 35): $2 million+ / year
To Do In Your 30s:
Having a paid off mortgage in the Commonwealth of Pennsylvania is no guarantee of having a roof over your head for life. Stop paying your property taxes and your paid for property go up for sale by the local authorities, it is called a sheriff sale.
Pay off all high-interest debt (6–7%)
Maintain a credit score of at least 750
What are all of the top 1% of people in their 20s, quants? Over 600k income is crazy.
Keep a 3–6 month emergency fund
Save at least 20% of your income
Bro is talking about social security in the 50s x.x
By 35, target net worth of ~2× income or 4× annual expenses
Throughout Your 40s:
Yeah the average 40 year old makes 800k riiiiiiight
Median Net Worth: $125,370
Average Net Worth: $791,616
all sounds pretty easy childless... seems like it would be impossible to have a real sized family and do all this. and i make pretty good money for my age and my area.
Top 1% Net Worth: $6.5 million – $8.45 million
Median Income: $60,000 / year
How is the top 1% at 25 yrs 250k higher than 1% at 35? This seems unlikely
Average Income: $85,450 / year
Top 1% Income: $400,000 / year
SOCIAL SECUIRTY LOL IM 21 THERE NO WAY IM GETTING SOCIAL SECURITY
Top 0.1% Income: $1,062,000 / year
To Do In Your 40s:
Me seeing my grandpa red in the face in my early 20s motivated me to get out of debt.
Consider buying a home if it makes financial sense
Max out retirement accounts (Roth IRA, 401k, HSA)
66 yes old, net worth 850k retired at 60 net 6500 month, happy!
Stick to a budget despite higher income
Aim for 5–7× annual spending invested by late 40s
Lol.. I’m broke af. Real Estate will be my only way out.
Throughout Your 50s:
Median Net Worth: $288,263
23 years old and I have a little under 100k saved up since I started watching Graham. What a great channel.
Average Net Worth: $1,406,887
Top 1% Net Worth: $13,231,940 – $15,371,684
Age (or time) is such a factor. 20k in 10 years vs 10 in 5 years: money now tends to be better than money later
Median Income: ~$60,000 / year
Average Income: ~$77,000 / year
Yoo he got the intro wrong 🥲
Top 1% Income: $400,000 – $500,000 / year
Top 0.1% Income: ~$1.4 million / year
As you get older, you realize you never needed college, and that you can EASILY be in the top 1% of net-worth individuals in your 20s just by picking up a trade job, actually working hard, and saving your money in the s and p 500.
To Do In Your 50s:
Track your expenses carefully to plan retirement needs
31 120k net worth around $90k income
Aim to be halfway through paying off your mortgage
Ensure retirement savings can cover ~25× annual spending
Net worth doesn't pay bills
Prepare for possible lower income or earlier retirement
Throughout Your 60s:
Don
Median Net Worth: $439,154
Average Net Worth: $1,703,727
19 got 148k in debt😂
Top 1% Net Worth: $17 – $22 million
Net worth may peak and begin declining as spending increases and income slows
I only disagree with a little bit on some things regarding motivation because Grandma forgot that most people are not like him.
Most people need motivation they need incentive they need to feel that there is growth so I will explain.
He says if you get extra money like a bonus then just put it away and savings and act like it doesn't exist but that's the wrong mentality and that's going to get most people failing instead of succeeding.
My rule is 25% of it and give it to yourself to do it you can do half if you really desire something but at the very least save half of it no matter how much it is and only use 25% on yourself not maybe you can use 25% different things like I have multiple types of Investments so I'll put some in savings and some in the investment and a quarter for myself. So if I got $1,000 bonus I get $250 to do what's what I want.
That is motivation because the bonus is doing a good job or for working at the company that you really don't care about cuz you're just there for the money.
All the saving is great for retirement but you also want to enjoy some of it now and for some people maybe all of this saving you doing each month means you don't get to enjoy a lot of your money so the bonuses your time to enjoy it.
This is just an example but if you have extra money give some to yourself as a reward for the sacrifice you are doing month to month.
To Do In Your 60s:
Pay off mortgage to reduce expenses
Isn't avg number extremely misleading?
Expect spending to decline post-65 due to lifestyle changes
Begin penalty-free withdrawals from retirement accounts (e.g. Roth IRA after 59½)
29 years old, $233k salary, $377k net worth, and no debt.. Biotech :)
Start planning Social Security withdrawals strategically
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I would love to see a collab video between you and Humphrey Yang on this topic.
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I highly doubt the top 1% of those in their 40’s have 6.5-8.4 million
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300K net worth at 29 with zero debt, and single with no kids. Lived at home after school for 5 years paying my parents $500/month making between 60K-90K. Just got a new job on 150K but still feel like I’m behind for my FIRE goal.
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Excellent coverage of the topic.
More User Perspectives
Thanks for sharing this update.
@HeranCowell650k to be 1% of 25 year olds but only 400k to be 1% of 35 year olds… something is not right
@leonidas75920’s 1% income is higher than 30’s 40’s and 50’s?
@mattij3814too much soft-embedded Ads in the middle of watching, contents are mostly from AI. dislike
@aaronliu4924This is a masterpiece.
@JonthanMarchand-w5tvery informative.
@JonthanMarchand-w5tThe vocals are stunning.
@MarTcuGreat article
@SarahGarcia-h6tThis piece is very helpful.
@baticAdrian$450k
@Needglory23Come on dude. Don’t buy individual stocks? Really? So you’re saying don’t buy any mag 7 stocks cause it’s not a safe investment?
@elanbrahms6194Been a subscriber for 8 years Graham. I appreciate your work!
@Mr_Stranger9999Very reliable source of information.
@jamieglidewellThis track is fire!
@douchebag10121