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💰 Money
Is my net worth normal?
See where your net worth sits compared to your age group.
$
Assets minus debts (home equity + savings + investments - loans)
Net worth by age — where do you really stand?
Net worth is the single most comprehensive measure of financial health: everything you own minus everything you owe. Unlike salary (which measures flow), net worth measures accumulated wealth — and the gap between average and median is staggering.
US net worth by age (Federal Reserve SCF 2022)
- Under 35: Median $39,000 | Mean $183,500
- 35–44: Median $135,600 | Mean $549,600
- 45–54: Median $247,200 | Mean $975,800
- 55–64: Median $364,500 | Mean $1,566,900
- 65–74: Median $409,900 | Mean $1,794,600
- 75+: Median $335,600 | Mean $1,624,100
The mean is 3–5x the median in every age group because wealth is extremely concentrated. The median is the number that matters for "normal."
What counts as net worth?
- Assets: Home equity, savings, retirement accounts (401k/IRA), investments, vehicles, business equity
- Debts: Mortgage balance, student loans, car loans, credit cards, medical debt
Negative net worth is common
About 11% of US households have negative net worth — owing more than they own. This is especially common under 35, where student loans and low savings are the norm. If your net worth is negative, you are not alone.