这个median net worth for the middle class hasn’t changed for decades. Conversely, the median net worth for the top one percent has performed extraordinarily well during the same time period. Let’s explore the differences further.
Although making a high income is nice, having a high net worth is more important. High incomes come and go. They are also taxed aggressively. In contrast, a properly managed net worth could last forever.
One of the best incentives to get rich today is therecord-high estate tax limitof $11.7 million per person in 2021. In other words, Americans can all pass down up to $11.7 million to our heirs tax-free. That’s huge!
We can create a generation of adult kids who end up having zero motivation or self-pride to make something of themselves! Whoo-hoo!
$11.7 million is an incredible amount to pass on tax-free given the estate tax exemption amount was only $1 million in 2003. With Joe Biden as president, there’s a good chance the estate tax threshold will decline.
个人金融的圣杯是大量足够大的净值，占据了足够的收入来充分资助您所需的生活方式。如果你不能generate enough passive incometo do so, sorry, but you are not yet financially independent.
On your journey to the promised land, it’s a good idea to gauge how you compare to others. After all, everything is relative when it comes to money. If we all have a $5 million net worth, being a multi-millionaire wouldn’t improve the quality of our lives at all.
这个Median Net Worth Of Americans
下面是来自Survey of Consumer Finances in 2019，最新数据可供2021年可供选择。美联储仅进行每年进行调查。人们可以假设今天甚至更高。
这个data shows the median net worth for the middle class, the mass affluent, and the top one percent.
- 这个Top One Percent has a median net worth of $10,700,000.
- 这个Mass Affluent (80th – 99th percentile) has a median net worth of $746,950.
- 这个Middle Class has a median net worth of only $87,140.
Let me share some analysis on each of the three classes below.
这个Median Net Worth Of The Top One Percent
增长低于预期
回到1995年，前一个百分之一的中位数为3,734,607美元。因此，净净值价值为前1％grew by 187%在1996 - 2016年期间。这比我觉得富豪多年来富裕的富豪多么富有言论，这远远低得多。
If you stick $3,734,607 into a compound interest rate calculator, you will see that the top one percent net worth figure grows by 5.4% a year for 20 years. However, this 5.4% compound annual growth rate also happens to mimic closely the 5.6% compound annual growth rate ofthe S&P 500 between 1999 – 2008。
最高的波动性
中位数的净值百分之一的百分比比另外两个类别更有挥发性。2007年，上涨的净值占9,578,000美元。然而，到2010年，中位数净值下降到6,658,000美元，a 30.5% decline。
If I lost $3 million in net worth in just three years, I’d be depressed. Therefore, if you have a top one percent net worth, your #1 priority should be capital preservation, especially after a 10-year bull market. A $10,700,000 net worth should be able to spit out between $200,000 – $300,000 a year with little-to-no risk.
If you have no dependents, then living off $200,000 – $400,000 a year should be no problem for an individual or couple. One can assume that most people who have amassed a top one percent net worth, if they have children, are older and have independent adults.
Aligned With The Estate Exemption Amount
这个estate exemption amount of $11.58 million in 2020 is close to the 2016 median net worth for the top one percent of $10.7 million. When we finally get the 2020 data from the Survey of Consumer Finance, the top one percent net worth will likely be at around $11.58 million.
从历史上看，现在绝对是最有效的税收时间top one-percenter。Time to get cracking.
这个Median Net Worth For The Mass Affluent
大众富裕应该是新的中产阶级
这个mass affluent class is where most personal finance readers are or aspire to be. Anybody who cares about their finances enough to read actively andlisten to personal finance topicsis usually way ahead of the middle class.
关心您的个人财务促使您节省更多并投资更多。您将弄清楚提升您财富的新方法。因此，在有资格获得社会保障的情况下，实现了746,950美元的中位数净值应该是大多数读者的可实现目标。
Using a 4% withdrawal rate, the mass affluent can fund $30,000 a year in gross expenses based on the $746,950 median net worth figure. Add onthe average Social Security monthly check of $1,461（$ 2,861 Max），质量富裕人数有47,532美元的毛，每年都有一年的退休金。
鉴于大众富裕阶层被定义为第80-99百分位收入群体，他们的平均社会保障支票可能接近2500美元。因此，大众富裕阶层在传统退休年龄每年的总开支应该接近60000美元。
Much Less Volatile Net Worth
In 2007, the median mass affluent net worth was $661,632. By 2010, the median mass affluent net worth fell to $560,400. This wasonly a 15.3% decline。
In other words, the median net worth for the mass affluent fell by half the percentage amount as the median net worth for the top one percent. For those who cannot stomach volatility, being in the mass affluent class is the way to go.
If you are currently in themass affluent classthen it’s probably worth still having a bias towards capital growth rather than capital preservation. Personally, I have consistentlyinvested in growth stockssince 1995 to help boost my wealth. Dividend stocks are fine for after you’ve amassed a lot of capital.
Losing on average 15% of your net worth in a bear market isn’t unbearably painful. Continue todollar-cost average在基于现有风险适当投资的低迷中。
It’s Worth Geo-Arbitraging
搬迁到该国的低成本区域或世界是大规模富裕类的精彩解决方案。如果一个人搬到墨西哥，泰国，越南，马来西亚，台湾或许多东欧国家，则价值746,950美元的净值拥有多百万美元的购买力。
虽然746,950美元won’t get you far in San Francisco, it should provide for a comfortable life in Minneapolis, where the median home price is only $267,000 and the median rent is only $1,591.
随着畜群免疫力，我怀疑更多的大众富裕阶层将会搬到该国低成本区或世界。
中产阶级的中位数价值
Never Recovered From The Crisis
不幸的是，中产阶级的中位价值看起来像死者的EKG。最初，我认为其暗蓝线在图表中只是水平轴。我以为大规模富裕的蓝线是中产阶级净值线。让我们再次看看图表。
如果一个中产阶级的平均净资产为87140美元，而你在美国的平均年龄为38岁，那么你还有足够的时间来增加你的财富。
However, if you’ve got a $87,140 net worth in your 50s and 60s, life is going to be stressful financially. It is highly likely you will need to work longer. Or you need to become dependent on government programs in addition to Social Security.
What’s most concerning about the median net worth for the middle class is that it actually2007年达到顶峰118,025美元。到2016年中位中产阶级净值的26.2％应该是每个人关心的最大原因之一。革命正在酝酿。
弄清楚如何convince people you are middle class如果你真的很丰富。
摆脱风险资产
If you do not hold assets such asreal estate and stocks，您无法从资产价格中获益。它看起来像2008 - 2009年金融危机期间的中产阶级被摇动，从未回到过。
If the middle class had simply held all its assets until 2016, its net worth would have recovered and surpassed its 2007 high.
According to an ongoing Gallup poll,股票拥有率in 2016 is down significantly since the years before the recession.
In 2004, the U.S. homeownership rate peaked at 69.5%. The homeownership rate fell to a low of about 62.9% in 2016. But since then, the homeownership rate has steadily climbed higher.
这个reasons are likely:
- 卖空或取消抵押品赎回权需要7年时间才能停止惩罚你的信用报告
- 抵押贷款价格continued to decline
- 房地产被视为一个更稳定的资产课程
- 更多的人在家里度过更多时间
生活还是很美好的
Despite the middle class falling behind the mass affluent class and the top one percent class,中产阶级仍然是一个伟大的课程。与非美国人相比,美国middle class has a more comfortable lifestyle than most people in the world.
Most of us think of ourselves as middle class no matter our level of wealth. The reason is we adapt to what we have. Once we start comparing ourselves to others who have more, that’s when our disdain becomes apparent.
如果您在中产阶级并希望突破，这些中位数净值数据都告诉我们，在长期内拥有风险资产，也可能有所帮助。
这个worst thing you can do is rent for life. Don’t spend money on stupid things you don’t need. And please invest in the stock market. Unfortunately, it seems like this is what a significant portion of the U.S. population is doing.
赢家通吃正在发生
根据对消费者财务的调查，最高占美国财富的28％。另一方面，中产阶级只拥有所有财富的21％。
从2010年开始，1%的富人开始拥有比中产阶级更多的财富，2010年也接近上一个股市和房地产周期的底部。
这个real estate market is strong on a national level. Meanwhile, the NASDAQ and S&P 500 are back to all-time highs. Meanwhile, there is still mass unemployment. The wealth gap is clearly going to widen during the pandmic.
年龄的中位数和平均净值
让我给你留下最后一张图表让你仔细考虑。该图表显示了不同年龄段的中值净值和平均净值金额。我还包括了一个推荐的专栏，根据我的average net worth for the above average personframework.
这个median net worth amounts by age show that Americans are better off than what the median net worth for the middle class indicates. If you’re retiring at 64 with $187,300, you’ll likely be fine so long as Social Security is still around.
年龄的平均净值数量非常讲述。它显示了美国普通家庭技术上是百万富翁经过age 55-64. Is it any wonder why everybody wants to come to America. However, thanks to inflation, a million dollars doesn’t go as far as it used to.
这个key net worth figure to shoot for is $3,000,000 by 55-64 if you’re just starting out. After all,$3 million is the new $1 million。It may sound hard to achieve, but if you save $25,000 a year on average for 32 years and earn a 7% compound annual return, you will get to $3,000,000.
有净值目标
现在你知道数字，有一个净值目标是有益的。我建议每个人至少有一个等于美国的平均净值的净值目标。
If you’re doing very well, it’s best to spend more of your income and wealth before the government comes for it. Your spending will also help the economy. Paying a 40% death tax rate is terrible.
If you’re doing just OK, it may be worthtaking more riskand working extra hours to generate greater wealth. Starting a side-hustle while having a job is absolutely one of the lowest-risk ways to try and make more money.
Even if you do nothing extra to improve your finances, know that life is still pretty great in America. Just try not to compare yourself too much with other people who have way more. Endless comparison is the thief of joy.
Recommendation To Boost Your Net Worth
跟踪您的财务状况个人资本屡获殊荣的金融应用程序。这个more you can stay on top of your finances, the more you can optimize your wealth.
免费的在线工具允许您X射线您的投资组合过多。您也可以跟踪您的现金流量和净值。我最喜欢的功能是他们的退休计划者。
I’ve been using Personal Capital for free since 2012, and it has done wonders for my wealth. Get your finances right the first time. There’s no rewind button in life!
通过房地产实现金融自由
房地产是我最喜欢提升净值的方法。这是一个不易挥发性的有形资产，提供效用，并产生收入。到我30岁的时候，我在旧金山买了两个物业，在泰哈苏湖拥有一个物业。这些属性现在产生大量被动收入。
In 2016, I starteddiversifying into heartland real estateto take advantage of lower valuations and higher cap rates. I did so by investing $810,000 with real estate crowdfunding platforms. With interest rates down, the value of cash flow is up. Further, the pandemic has made working from home more common.
Take a look at my two favorite real estate crowdfunding platforms. Both are free to sign up and explore:
乐趣：认可和非认可投资者通过私人eFunds投资房地产的一种方式。自2012年以来，Fundrise一直存在，无论股市走势如何，它都能带来稳定的回报。对大多数人来说，投资于多元化的电子商务是一条路。
群体：一种方式为认可投资者投资个人房地产机会主要是在18小时的城市。18小时的城市是估值较低和租金收益率较低的二级城市。由于工作增长和人口趋势，这些城市可能具有更高的增长。如果您有更多的资本，您可以为您构建多元化的房地产投资组合。
加载。。。Related post:净值构成各级财富
I have about $10 million equity in a personal residence, a vacation home and an investment property. I also have about $5 million in cash, equities, IRA, resulting in a net worth of around $15 million. I am 57 and I certainly do not feel rich, particularly with high California income and property taxes. I am figuring I will need to have at more like a net worth of $18 million to ensure I can keep my properties and retire by 60.
You very well might given how much interest rates have fallen. Takes so much more capital to generate the same amount of risk-adjusted income. Keep hustling and good luck!
You have no worries unless cancer gets you
Why not even one mention of expensive long term care. At some point in wealth it will not matter so much as some little old just plain millionaire.
i think the writer is out of touch actual hand on touch with the middle class. the 2 keys to living a great life and having a happy retirement is the following. taxes should be cut ie any one family income of 100k should pay zero income taxes. after 70 years of age zero income taxes. the short fall would be made up with import tariffs. and less spending by the government federal. #2 is debit free on mortgage no credit cards no debit. experience being a canadian that s lived under socialism i can say if i lived in usa i would be 50% better off. free health care in ontario OHIP insurance cost us 16k person in tax money just think wife and i with 32k to spend what a health care program we would have.
我理解不交税的愿望。但是说对收入在10万美元以下的家庭不应该征收所得税听起来很极端。谁来买单？
Shouldn’t we all try to Pitch in to help each other out?
Tell that to the top 1%
这个top 1% pay over 37% of the taxes already. The bottom 10% pay only 30%. The top 1% not paying their fair share is a political illusion. They actually pay a significant amount
好吧，在技术上，他们制作并持有超过一半的财富;他们应该按比例贡献。此外，中产阶级通过税收抵免和漏洞来补贴。
However, considering the language you use, I am well aware of the lack of good faith and wont pretend to think otherwise. We should be working towards are more egalitarian system of economics that adequately meet peoples’ needs, rather than top-down hierarchy one.
A couple of observations:
1。Wow! You have nearly 1,000 voters (or > 3%) with a net worth of > $10M. That’s a lot of rich folks reading this blog.
2. 1％线随着时间的推移而导致。我以为我在经济上做得很好，但是在顶部很多人都有很多人。可能最好专注于个人财务目标，而不是跟上这些人，而是允许我是一个肮脏的竞争人物。
3. Net worth data can be deceiving since there Is always a big debate about whether to include primary residence. Without the house, my parents would appear low income and destitute. With their home equity, they are suddenly millionaires.
我也认为它在Networth估计了税收责任。我估计我的401K / IRA，70％的价值假设退休30％粮食和国家税。鉴于事情发生的方式可能会更高！
Why I’m giving serious thought to liberating large amounts of 401k and converting it into Roths, keeping it low enough I won’t jump two brackets, once I can get out of a state with state income taxes.
I certainly won’t be living in one by choice once RMDs kick in.
“我们可以创造一代成年孩子，最终有零动机或自豪，以制造自己的东西！WHOO-HOO！“
Or we can immediately create a class of totally unmotivated parents by taxing their estates. To be specific, those exact parents who are most likely to create new jobs by the hundreds.
“TOTALLY unmotivated” huh?
It’s amazing how people chasing wealth their whole lives, who are so successful and accomplished, can suddenly become TOTALLY unmotivated when contemplating how their estate will finally be taxed with all those taxes that were deferred all those years.
Sure, it’s nice to leave your heirs a good chunk of change, and $11+ million tax-free is pretty great! If each additional million is then taxed 40%, I’m amazed how this will TOTALLY demotivate folks…. I guess it’s pretty important to grasp for each and every penny, eh? Or else I vastly underestimate the powerful force of greed.
I’m demotivated and withdrawn already. At about $7M with the mere threat of lowering the estate tax exemption looming perhaps sometime in the future — I’m already out of the workforce. I’ve probably created about 80 full time jobs in my lifetime (some high paying) and could probably create a lot more since I’m still relatively young.
However working to be subject to 35% federal tax + 12% California + 7% Fica + the threat of having to pay another 45% at the end so I can be away from my family 60 hours a week working for 25c on the dollar is not my idea of a fun life. Perhaps you are more generous so it is yours, so when you become financially independent to are welcome to work.
You can wish I return to work all you want but I’m sorry I’ll disappoint you. Though I suspect that in your societal model you believe in the finite pie whereby the more I stay out of work the less money I make and the more is left for you? Yes, some, many many unknowns are already past the Laffer curve. You just don’t hear about them because they are not famous, they quit way before achieving fame, and are happily enjoying their withdrawal from work.
Hey friend, my net worth is approaching yours, and I’m fully FI with paid off mortgage and plenty of passive income. Just turned 50 with (probably) many years left to accumulate. So I’d encourage you not to make assumptions about me, what I believe, and what I want you to do.
工作，不起作用，做任何你想做的事。
My point is, complaining about estate taxes that we won’t even pay (by definition you’ll be dead) is IMHO sad, and funny. It’s supremely entitled to think that we should be able to pass on to our heirs mountains of untaxed income that they didn’t earn.
我的意思是，为什么不满足钻孔，并开始传递遗传的头衔？
I get that you don’t agree with me. Just sharing my opinion as a patriot.
财政部肯定会接受像你这样的慷慨的人的捐款。不需要等你的孩子这样做。这样，当你赚取金钱时，你不仅可以捐出50％的边际税，而且还有40％，为什么不多。
Its MY MONEY!!! Not the governments!!!
我赢得了这笔钱，以照顾我的职责（即我的孩子和兄弟姐妹）。我的钱不要那么慷慨！
这个top 2 reasons why people save comes down to securing their financial future and independence and to have something to pass on to their children and family. When you take one or both of those motivating factors away through high taxation or double taxation with an estate tax, at some point, it will disincentivize more and more people to take risk with their assets and be job creators.
BTW — and this should go without saying for someone as savvy as you — you are quoting marginal tax rates (35%), not the effective rate you actually pay on your earnings. You are NOT paying 35% federal and 12% state taxes on every dollar you earn. And if a lot of your earnings are from dividends and/or capital gains (as mine are), you are paying a top rate of 20% and those earnings are not subject to FICA, either. So, it is demonstrably false that you are keeping only 25 cents on every dollar you earn.
You are really exaggerating your ‘hardship‘ here.
动机for the extra dollars happens at the margin. I’m talking about why I I’m no longer working ie not contributing to GDP in that capacity. So that is earned income. Had my wealth been “untaxed” as you claim then my net worth would have been at least 10M now instead of 7M. So that’s is my “hardship”, 3M less. I don’t think that paying another 40% is worth it. You seem more motivated to work and earn more (though somehow you FIRED too as you say) so go ahead work and pay the tax. For me I just choose to withdraw and spend lots of time with my children, we go camping, we go fishing, I even do some taichi and have belatedly started to learn how to play the trumpet, something I’ve always wanted to do but never had time to when I was a much more significant contributor to the economy.
我的资产配置已经扭曲了capital gains taxes. For one I invest primarily internationally in lower risk higher dividend stocks. I don’t partake much in the more dynamic (and thus risky) part of the US growth economy because if I make a profit I’m taxed, while if I have a loss it’s all mine to keep, no refundable tax credits for that other than a paltry $3000 exclusion. This asymmetry makes me shy away from higher risk higher value investments.
如果增加资本利得税，或者取消死亡时的阶梯式增长，我会降低风险，可能会更多地关注中国和其他一些亚洲国家的政府债券。
Once you withdraw from work and meet other FIRED people, you realize that there is already an enormous amount of withdrawn idle talent out there, staying three steps ahead of the pitchforks.
Nicely stated. I’ve lost count of the times I’ve argued with people that in increase in income will not result in a lower after tax net receipt. It is only the last dollar you earn above a new higher tax bracket that is taxed at that bracket rate.
为什么讽刺？试着做一个深思熟虑的观点。赚钱的人（不贪心想要保留你所赚的东西）是有动力的，让他/她的继承人更容易。他们通过制作了使用他们最佳判断的高价值的东西来获得高收入。这种充满活力的福利个人和社会。贪婪将是人们希望没有交换的钱。浪费将被政府强迫没收，然后政府给予人们免费的东西换取投票。而不是教授嫉妒和权利，为什么不教人们用能源和创造力和持久性获得赚钱的快乐和满足感？
我想你（故意？）错过了我的观点，这不是讽刺的。
To wit: being able to pass on $11 million to heirs ($22 million as a married couple) completely tax fee is amazingly generous of the government. It’s truly fantastic.
Complaining that any estate you will leave behind above and beyond the $11-$22 million will face estate taxes (including all the IRA assets and/or capital gains that may NEVER have been taxed) is vividly demonstrating the dark side of capitalism, i.e., entitlement and greed.
My point is not “teaching envy.” As a multi-millionaire myself, well on my way to 8-figure wealth, what do I have to be envious of? My point is the exactly opposite of entitlement: we who have been so incredibly fortunate have no justification to complain about the current estate taxes in the U.S.
I can’t believe the estate tax threshold is $11.58 million per person either.
这意味着它可能会下降，未来10年。1158万美元是很多！
这就是为什么在700万的时候我不想回去工作。向我保证11米除外，我可能会开始考虑。我在干草叉前面几步。
You can not have your cake and eat it too, mate. It makes no sense for you to have people earn their money, while also believing in having heirs inherit money. If heirs inherited money, they would not have earned it. What about those who get no inheritance, but would actually know how to use the money effectively?
Considering the language used, you are perhaps uninformed on markets and economics, or just blindly trust the systems in play. I wont pretend that I would get a good faith argument from most, if any, comments from this site. But, we should consider, perhaps, a more egalitarian economic system that be able to support those who participate; thereby, allowing people to pursue their interests and enjoy freedom.
So now my new aspiration is the hit the median net worth to be a 1 percenter!
当我的丈夫和我在半退休时，我们仍然有动力发展我们的企业和投资组合，以为我们的孩子和大家庭创造遗留。就业市场将获得更多的挥发性，因此我们很乐意拥有一个家庭年金，至少可以获得普遍的基本收入。有趣的是看到3种不同的级别。我觉得5毫米比5毫米才足够超过但拍摄10毫米，超越保证，即使你跌倒了你也会很开心！
我对房地产税有真正的麻烦。在我看来，它应该是一个遗产税。然后，每个继承者只会纳税。
Combine that with a huge exclusion, 20 million or more in today’s dollars, and then place a very sharply graduated tax on increments over that, becoming asymptotic as it approaches, what? 500 million?
This would allow all of your money to be inherited tax-free, so long as you are willing to break it up, which is what society needs done when it gets to ridiculous levels. Beyond a certain point, unearned money is only unearned power. Those of us who wanted a system like that could have stayed in the old world with hereditary titles and lands.
“The worst thing you can do is rent for life, spend money on stupid things you don’t need and never invest in the stock market”
That is up there with Einstein‘a alleged quote regarding compound interest. Needs to go on a t-shirt. I”d buy it. Heck I’ll put it on a t-shirt and take credit. Just kidding.
如果每个人都遵守这3个理想，每个人都会更好。我会推测大多数人在富裕/ 1％的部门中占据了这些确切原则的巨大群体。
Question – any numbers on the vertical
Growth between all sectors? I wonder if the numbers would correlate with more mass affluent attaining 1%. Maybe this dynamic would account for some of the inflection point?
One of these days when you’re writing about geoarbitrage you should address State imposed estate taxes.
My parents currently split their time between homes in Washington & California, and are residents of Washington. Washington state is one of a few states with zero income tax, but it has a significant estate tax that kicks in at $2.2M.
这个re is a big tax advantage to earning a lifetime of income in a state without income tax, and retiring in a state without estate tax.
Great idea! I’ve decided to write A detailed post based on the states with no estate or inheritance taxes. Have a look here to help you do you geoarbitrage and pass down as much money as possible.
//www.918taoke.com/states-with-no-estate-tax-or-inheritance-tax/
山姆，regarding your comment about spending and not leaving behind an amount greater than the estate exemption of $11.58MM – no disagreement that if you have it you should elevate your lifestyle or give some to a charitable cause. I am curious as to your thoughts when I suggest that the 40% estate tax rate is somewhat analogous to the personal income tax rate of 35% as taxes you would have paid had you liquidated the appreciated financial assets during your lifetime instead of passing it on to your heirs. In other words, the government was always going to get its tax share whether you had paid in while you were alive vs. after your demise. Or were you thinking this was just a tax free exemption? Your thoughts? Thanks,
天才！：D.
Agree. I would also like Sam’s take on CA’s recent attempts to increase the income tax rate to an eye-popping 16.8% and also implement a state wealth tax of .4% on high net worth folks. Would like his take on the effect of the rich fleeing that state. I got out just recently and in a WFH environment would think the numbers will skyrocket if the new taxes pass.
We are Washington State residents and became aware of the state’a $2.2M estate tax.
我们刚刚完成了我们的遗产计划，为每个配偶提供个人信托，以及在同时死亡的情况下为家庭信托或幸存的配偶的最终死亡。
这种结构旨在避免遗嘱认证，以及资产的清算，这是一种有效的策略，避免了遗产税，因为从来没有征税活动，和房地产中的有形资产立即转移幸存的配偶，以及那些资产免除。我们有一个非常好的房地产规划律师。
Great article!! Grand slam!! ⚾️
谢谢山姆。当我们在做我们的生活信任时，我已经意识到了当前的税务礼品豁免，但我尚未知道历史趋势。这是一个非常有用的图形。
Being a 1 percenter is getting further and further out of reach for net worth purposes. I will be curious to see how high it will be in 5 years. When you have all that extra capital you can take advantage of all the buying opportunities the current pandemic provides.
I definitely have a 1% income as a physician but because physicians start out late in terms of earning power (plus my divorce along the way), it does not translate to 1% net worth.
大众富裕不是一个糟糕的课程。你是对的大多数人认为自己是中产阶级（我长大的感觉我在上层中产阶级）。
和你一样,我也有前1%的收入,但尚未top 1% net worth. Like you, I was a late starter, in that I was in grad school until I was 30, and still paying off student loans until I was just about 40.
However, I believe top 1% net worth is well within reach, eventually.
我正在做两件事来实现这一目标：
1。Live on less than 50% of my net income (after taxes)
2.积极投资和时间。根据精算桌，我在这个星球上得到了30-40岁了......我很确定我在未来10-15年里达到1％的净值。
去od point on the high volatility of the top one percent’s net worth. I can’t imagine what it would be like to suffer a 30.5% net worth decline in 3 years. Ouch! Gotta capital preserve for sure and keep making and reaching for new goals.
That has to be one of the very most readable and articulate posts I’ve ever read that was just chock full of data! You are a 5.0 at word craft as well as at tennis. It was also wonderfully encouraging to the middle class reader who has some time on his side. Wealth concentration in the top 1% is worrisome, I think it makes lesser multimillionaires likely to become political targets because having 3 or 5 or 10 million isn’t distinguishable from having billions to someone who has nothing, or very little.
Appreciate your comment Steve!
我很惊讶，55岁以上的普通人是美国的百万富翁。因此，我们也可以拍摄多百万富翁的状态。
Yes, it’s really thetop 0.1%财富真正淫秽的地方。
我想你明白普通人不是百万富翁。这是平均净值。
包括杰夫贝斯在内的1,000人，平均净值超过1亿美元。但中位数仍将只有70美元。
I’d be very interested in digging out the net worth government data to see where the 10th & 90th percentile lies for each age range.
Indeed. And it still doesn’t deny that the average 55+ year old is technically a millionaire in America.
We can shoot to be average or above average.
这个average 55-64 year old – half having more, half less – has a net worth of a bit under $200K.
Because those who have more have a lot more, the median is much lower than the average.
55岁的百万富翁将使您在55-59岁括号中获得净值的20％的家庭。
If you were in your early 40s, you’d be in the top 10%.
我看到另一个有趣的统计数据说，美国有约130万家庭以及百万富翁的家庭数量从11米到15米，具体取决于你看的数字。如果你分裂差异并说美国有1300万家庭，那么百万富翁状态，那么这意味着只有10％的家庭是百万富翁。
山姆，
Thanks again for your insightful data-driven articles. This one is a keeper.
我对你制造的以下陈述感到好奇：
“If there is ever a coronavirus vaccine, I suspect more of the mass affluent class will be moving to lower cost areas of the country or world.”
What drives your expectation here? Anecdotal? Stats? Intuition?
我觉得我们所有人现在都在质疑我们赚钱的目的，生活在我们生活的地方，磨得如此努力。一旦疫苗来了，如果它这样做，它会给数百万人重新思考生活和生活方式的第二次机会。
I love New York City and San Francisco, these have been the two cities I’ve lived in my entire post college life. It’s very hard to leave. But if you feel uncomfortable in an expensive city, and you feel like you’re getting squeezed all the time, then I think this postvaccine window is an opportunity to finally change your life.
I’ve been talking about escaping to Hawaii for years now. I set a date for the year 2022. My intention is higher than ever to move. I need to spend more time with my parents. I certainly will not let the coronavirus rob me of my time with them.
I love this. Ghandi like. I chase money for the fun of it. Owning Tesla is a hoot. I don’t even know I have money without a computer screen. I have never seen my money or touched it. It lives inside a computer
I carry $800 in my wallet. That is the only money I know I have. That $800 makes me happy, not the money I’ve never seen or spent.
My computer money is a number with no meaning but I enjoy this artificial world because it is mentally and emotionally a nightmare and at times a delight.
我还能在哪里有一个像蒂姆厨师那样的家伙，努力使他的公司成为世界上最好的，我从中获利。谢谢蒂姆
公司于ld love to see an annotation for a multiplier for the Recommended – Average Household Net Worth.
我猜这是（平均而言），前1％的人更常见于高于普通的Col地区。
“It shows the average American household is technically a millionaire by age 55-64.”
Not crazy about this assertion, using the mean instead of the median. When you have a long tail distribution rather than a symmetric bell curve, the very wealthy dramatically shift the mean up, as your chart shows. The actual 50% level is 200some k, less than 1/4th that “average.” While that too looks great against the developing world, and with SS would still fund a nice retirement in a banana republic, it no longer stands out. Not when health care costs for retirement are estimated to be in that same ballpark of 200some k.
这不是偶然的，当我们谈论房地产价格，家庭收入和财富时，中位数是所使用的主导人物。在任何情况下，我们都应该在没有至少提及中位的情况下使用卑鄙。
去od thing the median net worth and the figures are mentioned everywhere in the post.
我认为使用像“典型”这样的单词将是最有用的。
这个typical American (half has more and half have less) has a $124k net asset value – at least for a midrange age point of a 50yo
因此，绝大多数的美国人都不可能成为百万富翁…
She think the average person probably doesn’t have 1) the time to read personal finance and 2) the extra money to invest. If you’re working more than one job to get by, it’s just not something of value to you.
As for the middle class not recovering from the financial crash, I can see why. It’s a scary thing. I had an adjunct professor in law school who was a 1 percenter, and he gave us all great financial advice. He said, “you’re young. Ignore what happens in the market, and let your money ride. Put it in an index fund, and don’t look at it.” That’s what I’ve done, and everything looks good, despite any financial crisis. I don’t know if everyone has the stomach for that though.
Wow. Sam, so much data :-). I think this is the best one liner – Endless comparison is the thief of joy. Good one and keep up the good work. I think once you cross a million, stop comparing and enjoy what you have, and above all be thankful.
说得好！我想一旦你过了一百万，钱突然变得越来越像一场游戏，越来越不关乎生存。感恩是让我们感到富有的终极镜头。
我应该在五年的商业计划中开始更快地升级并将我的净值超过1000万美元！将我的净值乘以自存储收购和股权合作伙伴！
Financial Samurai “Recommended” column on “American Household Net Worth by Age” for 45-54 yr old
= YEP. DONE.
It looks like I’m beating the pants off the rest of the Millennials, though I still don’t have the $500,000 net worth that you recommend. Still, roughly $360,000 is not bad, right?
这个re’s a page on my 401(k) that estimates how much I’ll be able to draw at retirement. The thing estimates that I’ll be able to draw $192,000/year at retirement with only my 401(k) and Social Security. I’m fairly skeptical of that number, though, since I’m fairly solidly middle class and nowhere near mass affluent (yes, I know, “We all think we’re middle class”). I only just started making more than the median national salary (in a high HCOL area) this year, so it’s tough to imagine me suddenly having access to a lawyer’s salary or whatever come retirement.
Great article, though. Shame the middle class never recovered from the Great Recession, especially with another one right around the corner.
真诚地，
ARB–Angry Retail Banker
In a bull market, the game is definitely stacked in favor of people with a high net worth at the start of the bull market. A 10% return on $100,000 gives you $10,000. Nothing to scoff at but a 10% return on $10 million produces $1 million. That is a large number. The same % return but totally different dollar outcome.
Capital preservation is key once you have made it. A 30% reduction in net worth might impact someone’s lifestyle if already FI but a 30% increase in net worth might have little bearing on spending habits.
If middle class, I would try to have as invested in investment assets as possible heading into the next bull market run..
Hi Sam, thanks for the interesting post. Does net worth include a subtraction for mortgage? Have a hard time believing how the median net worth for the <34 group could be positive assuming they live in an average mortgage financed house. Thanks!
Yes net worth includes a subtraction of mortgage debt. The home value is listed as an asset and the mortgage is the debt amount, so unless they’re underwater, the home will be a net positive to their net worth.
Thanks! Obviously was I mistakenly taking equity as an asset (instead of home value) and the mortgage balance as a liability, but your explanation makes sense.
在那种情况下，我有点担心<34岁年龄段！
This is great benchmarking stuff! It’s natural for us to compare to one another even though we’re all on a different path. I was amazed to see how stagnant the middle class is VS how accelerated the top 1% is. It suggests that it is hard to get out of the middle class and it is easier, once you are wealthy to continue to grow your wealth to new heights.
Since you receive so many survey respondents, I’m wondering would it be possible for you to do a survey of net worth and associated age of the readers here? Maybe it can help us gauge the progress of each other.
See this post:
//www.918taoke.com/net-worth-targets-by-age-income-work-experience/
//www.918taoke.com/the-average-net-worth-for-the-above-average-person/
I expect all readers here to be above average because average people do not read personal finance sites. Let’s rock!
Love this stuff! Comparing your net worth against others is probably a bit of a losing game. I think it’s good to track your progress, but you need to base it on YOUR ultimate goal – not what society believes you should be worth. However, this does provide some awesome insight into America’s wealth. Thanks for another great post!
为了公平到山姆，他说的是。
“Once we start comparing ourselves to others who have more, that’s when our disdain becomes apparent.”
On the one hand, comparing yourself to others can be a waste of time and emotional energy. On the other hand, you are competing with others for the same resources — so if the market suddenly becomes flooded with people in your demographic/psychographic with the same goals as you, then in order to attain those goals you may need to spend more than you planned or modify your goals.
你请求为个人或净值a couple? My spouse and I have separate property totaling 2 million in assets each, so do I vote in the 4 million category or 2 million? “[the mass affluent] average Social Security check is closer to $2,500”. Do you mean a couple’s or an individual’s? We will each draw $2,000 at 62. This is an important detail that affects retirement, estates and estate planning.
家庭净值。
Social Security check is individual.
Financial Independence is the detachment from other people money – their money can no longer enslave you.
Financial Freedom is the freedom from money itself – money plays no role in the true meaning of your life. This is where all passions are rooted.
这个math for FI is very simple: Annual Living Expenses ÷ 0.04 = Financial Independence Target.
If you passed the FI marker, you are more financially secured than the 52 States financial budget.
FS is half correct with regard to high net worth – the fundamental component to the FI equation.
另一半是年度生活方式支出——FI等式的关键组成部分。
99 percents of the readers on FS still have many years before the crossing of the FI mile marker because of the Annual Life Style Expenses – ALSE prevents many you from crossing over the high net worth barrier.
在平均和勤奋，大多数人将在10到35年内达到。您的所有努力将受上述数学方程的管辖。
如果您在45岁之前越过FILE标记，则是时候考虑金融自由。这更难以实施，因为许多部署的金融独立策略现在都反对激情。
这就是为什么许多火灾成就者在超越FILIL标记的未明确领土中发现自己。
激情产卵进展。生活源于进展。没有进步，生活将枯萎和排出存在。
Very interesting read! My question is how would you assess what class you are if you are still in your early 20s as opposed to near retirement age? My net-worth is significantly higher than my peers and I’ll probably reach the ‘mass affluent’ net worth in my mid 30s.. I’ve always wondered if I fall into the lower middle class just because of my age? I’m also not taking into account any family wealth only what I have saved and invested myself.
问得好。查看本指南：//www.918taoke.com/the-average-net-worth-for-a-30-year-old/
Does net worth include primary residence equity?
Yes.
消除遗产税，实施遗产税。
遗产税是对死者的遗产征收的，因此被许多人视为双重征税的一种形式。我们为什么要对房地产征税？我们应该对遗产征税。征税的目的不应是为政府筹集资金，而应是防止美国世袭贵族的崛起。
而不是一个遗产税,这应该是她itance tax, which is paid by the inheritors, and it should be graduated on a steeply rising asymptotic curve to the point where even an 80 billion dollar inheritance would leave no more than a billion (while a billion might leave half a billion). Also, it should have a very large exclusion. The exclusion should be large enough to preclude all talk about how it might break up family farms, and so forth, say forty million in today’s dollars, and is should be tied to leading economic indicators.
For years, the exclusionary portion of the estate tax was held stationary, to the point where it began to jeopardize family farms and businesses. This was probably a deliberate strategy by those who didn’t like it. Make it affect more people and you have a chance of getting the whole thing tossed out.
税务需要由继承者支付，而不是遗产，那么这将根据每个继承者收到多少，而不是作为一次性金额征税。这也鼓励大众财富的分手，如果杰夫贝斯今天去世并留下了40万美元的块，均匀地传播了几千名继承者，他们都会在排除范围内并没有税收。
这个whole point of inheritance taxes should be to prevent all the wealth from getting concentrated into too small a segment of the population. When this happens the economy either tanks, or a large numbers of people are pushed outside of it. History says riots, revolutions, and a quick slide into third world-like status usually accompany this.
I have no problem with someone making as much money as they can (providing it is made legally, ethically, and, hopefully, morally). I have no problem with a person who makes eighty billion dollars doing with it as they please (within the law) and exercising the power that comes with it. I have a problem with someone who did nada, except collect it from daddy’s estate, exercising that kind of power — OVER ME. So should you.
It doesn’t matter if everyone else is “taken care of.” What do you call serfs and slaves with nice homes, cars, central air, giant flat screen televisions, and wonderful health care? “Serfs and slaves” is still the correct answer.
当然，如果目前从根本上延长人类寿命的努力取得成功，遗产税和遗产税可能都是无用的。最好现在就开始计划，在反对派组织起来之前。
不同意。”你也应该这样。别告诉我们该怎么想。如果我赚了几十亿，想把它给我的家人，那是我的选择，不是你的或政府的。
@Snazster Envious? Move to Cuba or China and they will support your ideas of stealing money.
@pg我同意你的情绪，而不是你说的话。Snazter有一个合法的论点。虽然我不同意它，但它仍然应该得到一种超凡倾向和不尊重的答案。
因为社会主义是不好的;非常糟糕。这是新城东区en to be disastrous everywhere it has been attempted. It might work for some insects, it does not work for humans in any group larger than a pretty small tribe.
In fact, it’s every bit as bad as letting .01% of the population scoop up the vast majority of the wealth and income.
Trouble is, people make a religion out of this stuff.
“If you are against unlimited concentrations of wealth then you are a socialist.”
如果你不喜欢冷你应该允许和encourage unlimited heat? If you don’t like hot summers you should move to Antarctica? If you live in place that is having a drought you should permit and encourage floods? If you live in a place that floods you should eliminate all water, everywhere on the planet?
We call people with this kind of mindset “extremists.” It’s great to have ideals, but saying that because some amount (a lot or a little) is good, and that, therefore, more (or less) is automatically better is . . . well . . . it’s becoming more and more common these days.
Absolutes are easy. For the media, it sells papers and gets web hits, for the politicians, it focuses their voters (you are good and with us or you are evil and against us). And people grab on because they don’t like to think for themselves; because finding decisions in gray areas can be hard.
像试图找出当马的需要ny outweigh the needs of the few. If you just accept that as a universal truth, you are a communist, clinging to an ideal that can never be successfully implemented. On the other hand, holding that the rights of the individual always outweigh the good of society is effectively saying that your neighbor’s right to swing his fist does not stop at the end of your nose. Saying otherwise would be interfering with his rights. This is also called anarchy. Anarchy seldom lasts long because people quickly discover they are willing to accept almost anything else to eliminate it.
你对财富集中的“解决方案”把太多的财富放在了腐败政客的手里。任由邪恶腐败的政客窃取公民的过多财富，是没有好处的。
它对我来说是如何，尽管大量的政府管理资金和权力有多糟糕的例子，人们仍然是更多的。
I would rather take my chances with having a few too many undeserving wealthy folks around rather than a society where gov’t controls and calls all the shots.
你对微不足道的物质担心，并且进一步的治疗比疾病更糟糕。
不。我建议的是，他们被鼓励将其分解为5000万美元的块或更少（在今天的钱）。对于各种合格组织的多个继承者和/或贡献，政府无法获得它的一毛钱。
Regardless, you are saying don’t let the government have any money because they are corrupt. That’s kind of like saying you are never going to have your car repaired because so many mechanics are crooks.
公司于ld you really just let your car fall apart or would you try to find other mechanics, or at least keep a better watch on the ones you are stuck with?
Admittedly, with Congress, you might be right. More than a third of the House and over half of the Senate have law degrees, and lawyers consider being amoral to be admirable in their profession, while the rest of us equate amoral with immoral. Legal and ethical behavior are two different things and NEITHER if them is the same thing as moral behavior.
Also, with PACS and around 93,000 big contributors providing about 80% of their campaign contributions, they have a lot of incentive to play favorites. Also, most spend over half of their time just trying to raise more money, presumably stealing time from their employers . . . us.
巧合，认为93,000大约是美国的家庭大约相同的数字（83,600），其财富有5000万或以上。还认为他们的利益可能与我们的兴趣完全没有，只有几百万美元，或者94％的人口，而且在包括“普通”百万富翁的人口，当时他们在直流举行的通知时and call their representative, or one of their senators, for a quick meeting, they probably don’t have a problem getting it.
And don’t even get started on lobbyists and the very rich giving them insider information, which members of Congress used to be free to profit by. Presumably, the STOCK Act in 2012 cracked down on this but we have no way to tell if it is being enforced or, perhaps worse, selectively enforced when it come to the President, the vice-President, and Congress. Congress deliberated less than 14 seconds before voting unanimously to exclude their own financial transactions from public review when, logically, they would be more visible, rather than less so, than those of the general public.
Nor should we get into gerrymandering, and many other questionable activities.
为什么刚刚将40米的财富块重新组装到原始金额并避免完全税收？像Bezo的所有继承者一样成为同一家公司的投资者？
去od idea to tax the inheritors, since they will be getting the funds for the first time. But whether the estate pays or the inheritor pays…. I guess it doesn’t matter from the government’s POV.
Taxing the estate above a certain amount encourages the wealthy to spend more and give more while living.
I’ve noticed and now understand why adult parents want to help out there kids more, even after their kids are adults. It feels much better to help your children with their struggles alive than dead. At least when alive, you know what the problem is, have control over your money, and can see a real difference.
re: “It feels much better to help your children with their struggles alive than dead.”
YES.
With ~$3.5 mil net worth, three single family residences (primary and rental in our HCOL coastal state, “vacation” in a LCOL midwest state), both of us 60+ with chronic and potential health issues, why should we make our two 35+ adult offspring wait until after our demise to start benefiting from funds we are planning for them to eventually receive anyway?
只要我们的礼物仍然在美国国税局年度礼品税门槛下，也不会对我们的整体财务状况产生负面影响或有点奢华的生活方式，为什么不呢？它不仅减少了我们的税收延期资产（使我们的未来政府强迫RMD提款较小），它还有助于保持我们的后代，而不是迁至LCOR状态。
Ok, I guess our true motivation has been exposed. But if our offspring are going to be slaves or serfs to someone’s money, I’d rather it be to our money. We don’t treat them like our slaves or serfs (well, ok, except for when it comes to providing our hardware and software IT support). I hope they don’t feel like slaves or serfs to us!
BTW, they both have jobs they enjoy, so they are productive members of society and not simply leeching off their parents.
此外，如果我有手段来帮助，我会感到难以犯有（这解释了为什么在一次有两个“休假”的中西部的家园）。
Why would you feel guilty for not helping your kids if they’re doing okay? I’m asking because my parents have a sizable estate at this point, and my siblings and I similarly have good jobs, and my parents have stood firm in their “promise” to cut us off financially once we finished school. I even pick up the check when we go out to dinner, and it actually feels nice to be able to do it. It makes me feel “self-made” and proud, even though in reality I also recognize how privileged I am that I got through undergraduate and law school with no student loan debt. I don’t resent my parents at all for not helping us as adults. And more than that, I’m grateful that they’ve got a big enough nest egg that they won’t run out of money in retirement, which is their top priority now, as it should be.
Isn’t your parents paying for law school for 3 years after college, helping you out massively as an adult?
大多数人毕业学院22。所以有200美元,000– $300,0000 covered from 22-25 sounds like a great gift to me.
What am I missing? Perhaps our definition of adult is different? Most say 18 is an adult age.
What you said about parents helping their adult children is so true. My husband’s parents gifted us down payment for our new house which we were going to pay back. But my FiL said it’s more meaningful for him to help us out now instead of waiting until they pass away since now is when we really need the money.
最适合的生存是所有发明和创造力的母亲。由于过去的日常生活，您的生活从现代进展中生活并受益于现代进展。
You are hurting your kids if you give them financial resources for the basic survivals beyond the college years (22). In some extreme cases, the 18th birthday is the best time to throttle back financial support to stimulate the “Survival of the fittest” edge for your children.
It is a high probability you are an investor if you are a reader of FS. You would feel dump by invest in a stock that has no capital growth and or zero dividend – that is exactly the mistake you are making just because you want to protect and cuddle your genes.
一些级别的税收是重要的，遗产税或遗产税，只是为了确保财富积累并没有像过去脱离。
Any innovation has its shelf life. Wealth accumulation prevents new innovation because in most cases, it propagates stupidity genes and suppresses genius genes from the population.
Do invest in your children dreams and aspirations, but not their biological desire for more comforts and pleasures.
在许多情况下，您的金融胜利在您的血统之外的基因更好 - 其创新和创造力具有更大的概率为您的伟大，伟大，伟大，伟大的大盛大儿童构建更美好的世界。
无论逻辑如何，这都不是自我保护，并且它被误认为是“爱”。
遗产税的主要点是收集在死亡时得到一步的不动的资本收益。富人不应该免费通过。所以它是房地产税或加强效益。我们（目前）已经通过较低的LTCG税率来补偿风险。
Is the American household a household of four?
If you want to get busy.
你是2019年的数字吗？图表只上达2016年。
这个2016 Survey Of Consumer Finances是最新的报告。他们每3年左右都要做这些调查。一旦他们编译数据，就需要一年左右的时间来推出报告。您可以期待今天的数字更高。
I used to think your recommended net worth is too high, but I’m coming around. It looks about right to me now. The top 1% increase their wealth through investing, not working. The middle class needs to learn that lesson. Working is great, but you need to invest to keep up.
Unfortunately, I think the middle class will keep falling behind. The mass affluent will barely keep up. The real solution is the top 1% needs to spend more. If they keep investing so much, they’ll keep pulling ahead. Spread it around a little. You can’t take it with you, right?
你没有考虑的东西是，中产阶级和富裕的阶级每年都有不同的人。随着时间的推移，他们不是同一个人。我现在在贫困水平，但现在将被认为是富裕的5年。
Joe,
我认为前1％的主要原因不花更多的是，他们已经拥有了他们需要的所有“耗材”。我不认为拥有更多的东西让他们的满意度。而不是为了购买他们的投资而不是购买，这继续建立财富。
一旦熊市到达，中产阶级将赶上大。与超级富人相比，我们都将会。
Just got to hold on.
How? I’m not sure I understand. Is this based on the previous 2016 analysis that shows that the mass affluent fared the best, post-recession? Could you please clarify? And thank you very much for always providing fantastic insight and content! :) Robin
当然。假设沃伦·巴菲特的身价为500亿美元，100%的投资于股市。你身价100万美元，100%现金。
If the S&P 500 corrects by 30%, Warren loses $15 billion and you lose nothing. You were once $50 billion behind, now you are only $35 billion behind. You basically caught up to Warren by $15 billion.
你有的矿石，你必须丢失越多。
Except that’s exactly opposite of the majority of current scenarios. Warren Buffet, being the savvy businessman he is, currently has a much higher percentage of his portfolio in cash; most of us who have our mere $1M in managed retirement portfolios are fully invested as our financial advisors always tell us to ride out market swings. Bear market arrives, both Warren and us lose 20% of our invested funds; Warren pulls the trigger and re-invests his free cash at market lows. Market eventually recovers – we get back to break-even; Warren not only recovers but is now far ahead due to his market timing. So maybe for a year there is a narrowing of the wealth gap, but longer-term, Warren is the bigtime winner. I don’t know of any of my peers with $1M portfolios that are sitting in more than 20% cash, let alone 100%.
29 with 400k net worth.
Want to be FI by 40 with 3 million. Got a bit to go.
What’s your income trajectory looking like?
Oh boy. A lot of people on here with $10,000,000 +. I need to step up my game!!
约书亚：
或者也许。我的妻子和我在2-30万美元的范围内排除了房子和车辆的价格，并仅代表投资。一贯的就业，节俭，节约和持续投资是我们的键。不能更快乐或对我们的生活质量更满意。我们积极挽救和投资于50岁（现在55岁）退休。）我不觉得强迫试图达到1000万美元的标志。大学的2个女儿通过Vanguard覆盖的529计划我们在多年前建立的计划，那些收益增加了一倍（那些价值也被排除在范围投票中。）。每年我在通过直接股票购买计划获得的股票中占用1-2％。DUK / T / NLY / NYCB / XOM等我们最令人不安的费用是健康保险（由于政客和奥巴马医方式。）。否则对我们所拥有的东西和生活方式非常满意。并且仍然过着非常节俭的存在。 This post submitted for those readers seeking profiles of others.
我很惊讶有多少超过2000万。公司于ld love to see a post on how someone gets there….
一百万到三百万在这个国家似乎是可行的
撒谎。
Only 1% of the 17,000+ survey participants say that they have a net worth of $10 million or more. Given $10.7 million is the median net worth of the top 1%, I would say the survey participants are telling the truth.
我对2000万美元的投票感到惊讶。
在考虑了离群值之后，有趣的是，大多数读者的净资产在整个范围内分布相当均匀。只是为了显示你的内容吸引了各种各样的人在各种各样的个人金融情况。干得好！
谢谢您！我确实觉得在未来3到5年，我需要吸引更多的观众。
I agree, that “having a high net worth is more important.” But few people are willing to take the steps to create a high net worth. The difference between the top 1% and the middle class will likely exist for a long time as people are focused on the immediate gratification of buying things now rather than building a net worth that will have money work for them, instead of working for your money.
I was a bit surprised that the top 1% had the largest decline in net worth as I would have thought that once you reach that level of wealth you can afford to take risk off the plate.
Median values are much more informational than average numbers as they can be skewed quite a bit by the extremes. I guess I fall into the mass affluent range already based on your figures although I think the range of 80-99% is a bit too generous. I think there should be subdivisions of top 5%, top 10%, and top 15%.
超丰富的房地产或股票和债券中的大部分资产都是挥发性的。现金组件有限。30％的人在市场下降，所以这并不令人惊讶。
Quote: “If you have a median net worth of $87,140 and you are the median age of 38 in America, you’ve still got plenty of time to grow your wealth. But if you’ve got a $87,140 net worth in your 50s and 60s, life is going to be stressful financially. It is highly likely you will need to work longer or become dependent on government programs in addition to Social Security.”
I have plenty of TIME to achieve Multi millionaire Net Worth
我也希望看到这种崩溃。