Just curious, in the 25-28 year old age range what is net worth? I know there was already a similar question to this on here but that was by job level. Also how much are you investing annually? I feel like I might not be investing as much as I should be even though I’m not doing bad.

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25 - 130k. I contribute 10% to 401k (~30k) and the rest is in stocks. I’m down about 30k in stocks right now (still up overall) because of getting stuck when the market dropped a couple months ago, so would be a little bit better. Since graduating college (about 20k in debt with 0 savings), I have lived at home and have put 90% of my income into savings. When the market tanked initially in 2020, I dumped everything I had saved (~35k) into a couple of stocks. I could have made a lot more if I had held on to those stocks but was dumb and tried timing the market. Lesson learned ✔️

helpful

26F married with 1 kid. 215k home equity. 60k 401k and wealth builder fully vested. 75k cash. 10k stock investment, 529, HSA. 20k car. I had full scholarship for college so no debt. I want to have $1M net worth by 35. That’s my goal. My parents are worth almost 5M and i am only child but they never spoil me. I work hard to come to the US and get the scholarship on my own, paid for rent and food during college my own, bought my first second and third car. I got lucky with crypto a few years ago though.

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PSA that your net worth at a young age is heavily dependent on help from parents or family. Graduating with no student debt alone is huge. A high net worth is a great thing but don’t forget we all start at different places

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at D1, you'll get there. Keep on the path you're on!! I graduated with 100k in loans and I'm about to pay them off next month after 9 years. It was hard, and others who had advantages think it's easy for everyone. You're a trooper.

How are you people so rich. I struggle to pay my rent every month. NYC btw 😭

likesmart

Get more roommates

At 25 I had a negative net worth. At 36 I am breaking $1M. Y'all will be fine just save and don't stress much about competing with each other.

likehelpful

Am 26 and have a $190k mortgage, 30k student debt, and my fiancé has 200k med school debt. But I make 100k and have 20k saved so that’s nice. I won’t have a positive net worth until I’m 35 probably.

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Just used the nerd wallet net worth calculator and it put me at -82k. So maybe positive in 5 years or less.

25. Net worth -$15k. I invested like $2k last year but still paying back unsubsidized loans which is my priority. Hoping to marry my boyfriend in the next few years so my net worth 📈

likefunnyuplifting

Excellent strategy

likefunny

28 worth 220k. 100k in 401k. 100k equity in my house. 20k in cash & stocks

likefunny

EY4- so how much money do you plan on sending me? Your negative net worth is showing, and I’m not talking about dollars 🤗

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26, negative $80k :/ Put myself through college on loans (15k a year for a state school) and 10k for grad school. Rest is interest. At this age it is largely dependent on whether your parents paid for your college and housing during college.

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24, just pay off all my debt a month ago, $0 net worth.

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Way to go paying off the debt!

When I was in that age range, my net worth was $-0- and I was investing just enough to get the company match. If I could go back in time, I would try to find a way to max out my annual contribution.

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25. No post-college debt. Net worth around 100k. Invest 15% salary into 401k, $150/month into Roth IRA, $250/month into brokerage acct. Those are my configured amounts, but will add lump sums at random intervals too as bank acct gets heavy

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I know I’m a little younger but 23 $23k net worth -$16k 401k -$10k cash -$4k brokerage -$7k car loan

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Net worth: $336k Invest annually: ~$63k 27 years old

likehelpful

Good call on maxing the HSA. US younger professionals miss that one so frequently. Triple tax advantaged ftw!

26. Around $120k. My parents helped a lot with college, so my student loans weren’t too bad. These posts always make me feel like I should have so much more money by now.

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Yes I think that’s probably very true!!!

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There was “a similar question” on here?? You mean like every week? 😂

likefunny

25 married, we just hit $130K cash & equities. $210K including home equity. Our household income is roughly $140K pretax, we save about 50-60K a year. Maxxing 401k, IRA, HSA, and a bit into taxable We are very much bootstrappers, paid off our loans, etc

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You are misunderstanding a simple complex. Seriously this isn’t novel or fringe information, it’s standard practice for most people looking to retire early.

28 married with 2 kids - net worth $220k Household income $80k

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That’s awesome with 2 kids!

28, married, combined net worth ~$750k with household income of $180k. Got lucky and bought a house a few years in a crazy appreciating area and have made over $500k

likesmart

Wow which city did you buy your house if you don’t mind ??

24 38k Roth IRA 12k 401K 42k investments 30k Cash

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$40k cash and equity $0 home equity 28yo immigrant.

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26F immigrant, senior 1 in NY (the struggle) and I’ve hit 100k net worth (401k, investments, savings included). I’m really proud of myself and hope I can make and save more in the future !

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