Graham Stephan
@grahamstephan·5.2M subscribers·1.6K videos
Average Net Worth In 2025 - By Age (Not What You Think)
Posted
July 16, 2025
Views
443,375
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12,670
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July 16, 2025
443,375
12,670
1,118
3.11%
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AVERAGE NET WORTH BY AGE:
Throughout Your 20s:
Average Net Worth: -$23,704
Median Net worth: $7,638
Average Net Worth Late 20s: $113,084
Top 1% Income: $650,000 / Year
Top 1% Net Worth: $350,000
To Do In Your 20s:
Build Your Credit Score
Open Up A Roth IRA
Save 20% Of Your Income
Start Investing
Throughout Your 30s:
Median Net Worth: $35,649
Average Net Worth: $317,171
Top 1% Net Worth: $956,000 – $4,034,486
Median Income (Age 35): $61,500 / year
Average Income (Age 35): $82,871 / year
Top 1% Income (Age 35): $400,000 / year
Top 0.1% Income (Age 35): $2 million+ / year
To Do In Your 30s:
Pay off all high-interest debt (6–7%)
Maintain a credit score of at least 750
Keep a 3–6 month emergency fund
Save at least 20% of your income
By 35, target net worth of ~2× income or 4× annual expenses
Throughout Your 40s:
Median Net Worth: $125,370
Average Net Worth: $791,616
Top 1% Net Worth: $6.5 million – $8.45 million
Median Income: $60,000 / year
Average Income: $85,450 / year
Top 1% Income: $400,000 / year
Top 0.1% Income: $1,062,000 / year
To Do In Your 40s:
Consider buying a home if it makes financial sense
Max out retirement accounts (Roth IRA, 401k, HSA)
Stick to a budget despite higher income
Aim for 5–7× annual spending invested by late 40s
Throughout Your 50s:
Median Net Worth: $288,263
Average Net Worth: $1,406,887
Top 1% Net Worth: $13,231,940 – $15,371,684
Median Income: ~$60,000 / year
Average Income: ~$77,000 / year
Top 1% Income: $400,000 – $500,000 / year
Top 0.1% Income: ~$1.4 million / year
To Do In Your 50s:
Track your expenses carefully to plan retirement needs
Aim to be halfway through paying off your mortgage
Ensure retirement savings can cover ~25× annual spending
Prepare for possible lower income or earlier retirement
Throughout Your 60s:
Median Net Worth: $439,154
Average Net Worth: $1,703,727
Top 1% Net Worth: $17 – $22 million
Net worth may peak and begin declining as spending increases and income slows
To Do In Your 60s:
Pay off mortgage to reduce expenses
Expect spending to decline post-65 due to lifestyle changes
Begin penalty-free withdrawals from retirement accounts (e.g. Roth IRA after 59½)
Start planning Social Security withdrawals strategically
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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
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