Net Worth By Age (2025 Edition)

It’s our FAVORITE time of year! Ever wondered if you're on track with your net worth? In this guide, we break down exactly where Americans stand financially by age group and reveal the targets YOU can aim for in 2025! From your 20s to your 50s, we'll show you:

✅ The REAL median net worth by age group in America
💰 Our suggested net worth targets (they're different from Fidelity!)
📈 How you could boost your savings with the 1% strategy
🎯 Practical tips for each decade of your financial journey
🔑 The three-bucket strategy that can optimize your tax strategy

Whether you're just starting out or planning for retirement, this video can give you actionable steps to take control of your financial future. And don't forget to LIKE this video, SUBSCRIBE for more wealth-building tips, and ring that notification bell!🔔

#PersonalFinance #NetWorth #FinancialIndependence #MoneyTips #Investing #RetirementPlanning #WealthBuilding #PersonalFinanceByAge

Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

[briannguyen]

I’m over here 100k in debt for student loans. Paid 50k already. 50k left to go! Wish me luck.

[MikeRussell-xz]

I reached $90k today. Thank you for all the knowledge and insights you've shared with me over the past few months. I began this journey in November 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area.
Thanks so much Angie Chen Owens

[talldude]

Chapters:
0:00 - Intro
1:14 - What is Net Worth?
4:23 - The Money Guy's Net Worth Tool
6:07 - Net Worth by Age Updates
9:58 - 20s
17:50 - 30s
26:39 - 40s
36:05 - 50s

[giovana]

Reached 1M networth at the end of 2024 at age 40. So excited to see our money continuing to grow. Let's go, mutants! We can do this thing.

[CaraMarie]

I did my net worth statement on Tuesday and I should have a positive net worth by the middle of this year 💪🎉

[lonz_]

In case my situation makes anyone feel better, here is mine.

Age 24
Current net worth: -15k
Current FOO step: 1
Goal by age 30:
- Have 30k net worth
- Begin investing 20%

Overall, I am feeling very good about my situation and outlook if I follow my plan :)

[IAmConorr]

If Bo's excited, I'm excited!

Is Bo ever not excited though?!

[ld]

It's 2025 and Bo is soooo excited!! I've listened to you for a long time and you are always spot on! I updated my net worth worksheet (yours) over the past couple days. I did some major gifting in 2024 ($75K), which resulted in a large increase in Fed & State taxes. Despite all that, my net worth only decreased $7, 808. I'm 75, retired 13.5 years and NW is now $1.4M.

[coobaloob]

Just exited my 20s, and almost matched the example given at 14:20 exactly; been consistently saving at least 10k/year since 2017. Only difference is the market has already doubled the contributions inside our TSP. Your wisdom has helped affirm that we're on the right track to financial success, so thank you!

[rookie]

In 2024, I went from net worth of $-7K to $+500 thx to FOO. I'm 30 years old, and haven't made the best financial decisions, but I now feel confident that I will be able to catch up to where I need to be in the coming years!

[danielgeorges]

I did my first net worth statement in September of 2004, at 24 years old after completing FPU. Net worth was $153, 000 with my then fiancee. Fast forward to Jan 1, 2025, my wife and I have a NW of $2.75M at 44 years old. We’ve also been a single income household for the past 8 years. Listen to these guys! It works. I’m not a doctor or anything like that (I only have a high school diploma). You can do it!

[lastup]

My net worth went positive this year 🥳 Didn't think it was possible. Thank you guys for your videos.

[ambrosemichinock]

age 20 net worth is currently 55, 000$ been watching these guys since covid, can't thank them enough.

[trezmen]

My net worth is -$10k, but i just graduated nursing school at 21 with a job offer for 75k and minimal living expenses. This whole year i'm going to be getting my 76x wealth multiplier :)

[chemquests]

My first year crossing over $1M!!! I just turned 48, so right on time. Money Guy certainly inspired decisions over the past ~6 years.

[kmtat]

Did an updated networth statement yesterday. Husband and I crossed 100k invested last year and 300k NW! 🎉 We are 30 with two young kiddos. We have learned so much from you the past year, thank you money guys!

[dashadynamite]

Crossed the $100k NW at 24, can’t wait at get to $200k! Thanks for these helpful videos, they help more than you know! 2025 is my first year that I’ll be maxing out my HSA account all thanks to your advice 🎉 soooo excited

[alexlycan]

Great show Money Guy team, always looking forward to the NW show! The new calculation vs Fidelity's was a great addition.

But I was disappointed that the show didn't do the NW broken out by the early, mid, and late age for each decade like how it was in the 2024 show. That was super exciting to see, so hopefully it'll make a return for next year.

[rffinances]

I like the recommendation to use the purchase price of the home in the annual net worth statement and having a separate tracker for liquid net worth. This is a good way to document how a house isn't as liquid as other assets and you may not be able to sell it for what it seems to be worth. It's also an asset you're actively using to live as opposed to an investment that is producing additional money for you.

I like the mindset with your 20's that the goal should be to build discipline and avoid making the big bad decisions. Starting out is hard. I think if you can finish step 4 of the FOO in your 20s, you're doing well. I would also add that your 20's should be about building valuable skills and starting to build your career. Because that's where you're going to have the biggest return and will set yourself up for success later in life.

[FarhoodEnsan]

Following you guys since my university days. Starting early is the best decision one can make!