How Much You Need To Invest By EVERY Age

The YouTube Creator Academy:

My ENTIRE Camera and Recording Equipment:

AGE 20: Average Net Worth: $39,915
1. GET A CREDIT CARD
The point is to begin building up your credit score as soon as possible, and since 50% of your score is made up from your on-time payment history and how LONG you’ve had credit for…this is something you should do immediately.
2. OPEN A ROTH IRA
This will allow you to invest $6000 per year and grow your money COMPLETELY TAX FREE by the age of 59.5…meaning, by the time you’re older…everything is pure profit.
3. SAVE 20% OF YOUR INCOME
4. INVEST IN THE MARKETS

AGE 30: Average Net Worth: -$1043
1. GET A CREDIT SCORE OF AT LEAST 750
2. BE BAD-DEBT FREE BY 30 YEARS OLD
This means you’ve paid off any loans or debt that’s above a 5% interest rate, you don’t have any credit card debt or personal loans outstanding, and besides the possibility of a low interest rate mortgage or student loan…you don’t have anything weighing you down.
3. HAVE A 3-6 MONTH SAFETY FUND
4. AIM FOR 1X YOUR SALARY SAVED

AGE 40: Median Net Worth: $80,000
1. MAX OUT RETIREMENT ACCOUNTS ANNUALLY
2. MAXIMIZE YOUR EARNINGS
3. HAVE A BUDGET - NO MATTER WAHT
4. KNOW HOW MUCH YOU NEED TO RETIRE
The rule of thumb is that, for a 30-year retirement, you’ll need to have anywhere between 25 to 30x your annual spending INVESTED in order for that money to last you without running out.

AGE 50: Median Net Worth: $212,000
1. HAVE 7-8X YOUR SALARY SAVED, OR 10-12X YOUR EXPENSES
2. BE CLOSE TO PAYING OFF YOUR MORTGAGE
3. HAVE A CLEAR PLAN FOR RETIREMENT

AGE 60: Median Net Worth: $266,000
1. AIM FOR 10-12X YOUR SALARY SAVED UP
2. PAY OFF YOUR PRIMARY RESIDENCE
4. BEGIN WITHDRAWING FROM RETIREMENT ACCOUNTS

Obviously, this is only going to be a rough ballpark and some people may be way ahead or way behind this - but, that’s not important - it’s more important to realize that NOW is the best time to begin working towards these goals, and showing you that - the sooner you start - the easier it’s going to be…even if you’re not as far along as you would’ve liked.

[tatianastarcic]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

[SkateBox]

You know it's bad when having a $0 net worth makes you above average

[AmericaDividedOfficial]

I think schools should play your videos as I learn more about finances from you than I did in my entire school career!

[virtualfpv]

I'm 19, have over 750 credit score, 3/4 of the way through getting an engineering degree, positive net worth after subtracting student loans. I have an excel sheet where I planned out every month what I need to invest to retire very comfortably, and I plan to stick to it unless the markets start to really shift. I've been watching Graham's videos for a few years now, and taking his advice - so far I can say that he is absolutely correct in what he says and the strategies he talks about work if you're willing to put in the effort. Thank you!

[EricWPowell]

The best thing about Graham is he is always realistic and not pushing a bunch of hype stocks. Great video Graham!

[Chrisfavouriteboulder]

I am so gratefull that this content is for free! I am 15 years old and one of my goals in life is to live a comfortable life and to take care of my parents ❤

[CynthiaByrd]

Great video. We are all seeking for financial independence and a better way of life. This is not difficult to achieve with savvy investing, a frugal lifestyle, and cautious budgeting. I'm glad I learned early on to work hard for financial independence. As Warren Buffet said, he has seen this happen many times in his life. Not an investor, My husband and i never earned more than a middle class salary. We plan to get retired at 58 with a stock portfolio worth $4M. We have never sold so much as one share of stock.

[BEAUTIFULDIANAFRANCIS]

we had invested money through Cynthia for nearly 30 years. The market had its ups and downs, but in the long run it did very well for us. With my pension, social security and investments we are able to live comfortably. We are now able to fully enjoy our hobbies, travel, family and making new acquaintances.

[CreamIceMs]

Thank you for recognizing that not everyone's situation is the same and reminding us that starting is important no matter our age.

[Littlemisslady]

This might be one of the most helpful videos I’ve ever watched! I’ve always been in a panic that I am behind or not doing what everyone else is doing. Your videos really explain things like this well and make me feel a little less stupid! Thank you Graham!

[Ixamxthexcykox]

I am a 24 year old making $15 a hour. Currently going back to school for nursing. So far I have about 45k in stocks. 17k in my Roth and 12k in my bank. The biggest thing is starting and I can’t wait to start seeing this snowball go!

[lvparm]

Was just talking to my best friend about this the other day! Glad to have this info. Makes me feel good. We need 2020/2021 adjusted numbers after the influx of new investors though

[gtryan]

Playing back at 0.5 speed is taking up way too much of my time…but it’s worth it to hear drunk Graham.

[schroederscurrentevents]

I’m 15, invested 400 dollars. I got really lucky and it’s now worth 1200. So I’m ahead of the game

[ktube]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.

[fusion]

Some of the most sensible and sustainable financial investments advise on youtube. Will be joining the mentorship program very soon. Keep making these amazing vids!

[illegallogic]

i’d just like to say, you guys are the chillest and nicest comment section i’ve seen. everyone give yourself a pat on the back.

[ridehorse]

Feeling great being 36 years old and having $700, 000 saved and invested, with only $100, 000 mortgage left to pay and no other debt. Although FIRE is not around the corner yet - long way to go

[ThoseGamerTwinz]

Great video graham! I’ll be sitting down and planning my future investing in the coming days

[anthonygold]

When you stop learning, you get left behind . Never stop educating yourself