Been waiting to do this for when all my bonuses and chit came through. Luckily my non-retirement investments also popped off to inflate the numbers even more. Feel free to use my template, or something else. Use the following link to calculate your net worth percentile by age, making sure that the "Primary Home" section has "County Equity" selected. Even if you're a rentcel like me, only fair to compare total equity of the population.https://dqydj.com/net-worth-by-age-calculator/

Age: 28
Non-retirement investment accounts: $120k (roughly $25k is gonna be subject to long term capital gains taxes eventually)
Checking: $18.5k
Retirement accounts: $92k (roth, fully vested)
Equity: $15k (got a paid off modern low mileage car, am a rentcel so zero house equity)
Debts: $0
Total Net worth: $245k
Net worth percentile by age range in USA: top 15%

In my area, you can get nice houses for $400k-500k. Was considering becoming a home owner this year, but interest rates are still so bad I'd rather wait another year and have even more cash on hand.

Nice try IRS, I live under I-10

Height 6’2
Age 28
Money 0$
Still live at home
Have a job but doesn’t pay much I guess

What if house prices increase as rate cuts approach, and then you'll be minus a year of rent and minus a year of equity building and still maybe be paying more on the mortgage

Time in the market is better than timing the market

I’m about 1.8-1.9

House 700-800k , probably towards the lower end due to interest rates , Zillow has me closer to,800k
Retirement/liquids funds, 1.15 mil
Cars are worth approx 75k

No debt

Is 245k really the top 15%? That's pretty pathetic tbh. Not your net worth, but that it's the top 15%. (Super Ded fkn Srs)

this

Nice try IRS, I live under I-77.

I am a fed, I recognize other feds when I seem them. Not getting me today fukker.

Dude I'm 20 years older than you.

You really want to compare? Lmao

Age would be an important factor here, net worth increasing as you have more time to accumulate (without considering stuff like inheritances etc)

In on misc fake net worth thread


@ OP - about 350 mil

Nice, I just turned 28 you are way ahead of me

Bout 350K in my 401k. Feelsbadmane


EDIT: wizerd ^

My YTD, yup that's right, year-to-date, only 2 months, for my non-retirement is +64%. It has more than doubled in less than 12 months. I think I can keep outpacing the real estate inflation keeping my money in the market. The highest that the HPI has ever been in a given year in history (2022-2023) is a tiny bit over 20%. Last year it was only 5%.Das it mane. Gratz on basically being a 1%er. I hope if I stay on my path, I'll be a top 10%er in my early 30s. Would need my net worth to increase by about $350k (srs).Yeah but only for my age range of 25-29. If I were in my early 40s I'd need closer to $850k to be a top 15%er today.

Good job for 28 years old. Keep focusing on net worth the way you are, and you'll likely be successful.

Age - 42
Brokerage Accounts - $500,818 (about $150,000 will be taxed at long term capital gains rate)
Roth IRA - $31,971
401k - $538,748 ($23,147 is roth)
Checking - $17,302
Education Account for daughter - $37,904
Home Equity - $229,427 ($440,000 estimated value - $210,573 debt)
Misc. Assets - $30,000 (cars, atv, dirt bikes, furniture, etc)

Total - $1,386,170

more than u can afford pal, ferrari

I think it would be wise to take that money and diversify, 87% of your net worth is in the stock market -- that's too much

I'm divorced......so single I guess.

makes sense then

AT 28 years old it's perfectly safe to be that much in the market. Hell, I'm 80% in the market at 42 years old. Any time we have a big recession, the market corrects within a couple years. So you really don't have to think about steady rate of return assets until you're AT retirement age.

Yeah you’re also too heavy in the stock market IMO

This is thinking too short-term, real estate can lead to all sorts of good things over the long term and starting early is better there too. I bought my first house when I was 30ish, then upgraded in 2022 and turned that first house into a rental that is now bringing in $30k/year by itself on top of the equity already in it.

Lots of stock market euphoria out there right now, which means it’s probably prudent to do the hard thing and diverge from it

lolz here come all the e-millionaires

Age: 29
Checking: $25
Non-retirement investment accounts: lol
Retirement Accounts: lol
Equity: lol
Debts: $1115 (credit-card) + $900 (medical)
Total Net Worth: A paper clip and a stick of gum
Net worth percentile by age range in USA: bottom 10%
Status: googling nearest cliff

I pretty much break even with my few debts and savings and 401K

Net worth like that at 28 is higher than 15% nation wide, might be top 5%, srs. Graham Stephen on youtube just did a video breaking it down by age and recent surveys.

Age: 350
Salary: 350
Home: 350
401K: 350
Debt: 350

Total Net worth: priceless

Can I borrow some money?

I'll put down $20, you put down $20, I'll buy the pile for $30 and we both just made $10. Repeat for infinite wealth.

Thanks mane. Das it. BTW you didn't do it so I did, 42 yrs old with $1.39m net worth is top 8% counting equity. You're waaaaay ahead of the curb. Gratz.I am a HUGE FAN of the peace of mind associated with zero mortgage/rent due to owning a home. But it's difficult to will myself into putting $80-120k in equity for a house, which grows 5%-10% a year typically, than it is to put it into stocks while renting. Unless and until interest rates drop to 3-5%, and/or rent goes up astronomically.We all start somewhere and sometime. Don't beat yourself up tbh. You know what you gotta do, just sacrifice what's needed to do it. Focus on the career and job goals. You may get debt from it, but it'll be miniscule compared to your total earnings by retirement.Have you considered fixing that? What's your lifestyle like? Can you get into a cheaper living situation maybe? In my opinion, saving $0/mo is akin to falling way way behind due to inflation and such.Das it mane. I'd like to agree, but it is what it is. Some people I know, around my age, due to lucky (and idiotic imo) decisions led to them having mansions for $300k-500k mortgages. I know it's anecdotal, but the site I used in OP seemed pretty good. Any other suggestions?