Net Worth By Age In 2025 (Are You Above Average?)

BiggerPockets Money Podcast

BiggerPockets

Investing, Education, Business

4.6 • 2.9K Ratings

🗓️ 7 October 2025

⏱️ 45 minutes

🔗️ Recording | iTunes | RSS

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Summary

Let's talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net worth benchmarks for the median, top 10%, top 5%, and top 1% of every age. If that isn’t enough they then highlight specific strategies that work at each age to hit those benchmarks—from aggressive wealth-building tactics in your 20s and 30s to business ownership and real estate scaling in your 40s, to preservation strategies in your 50s and 60s. Whether you're behind and need to catch up or ahead and want to optimize, this episode gives you the roadmap for your decade so you can hit your financial independence goals. 00:00 Net Worth by Age - Are You on Track? 01:09 Defining Net Worth and FIRE Portfolio 02:44 Analyzing Net Worth by Age 03:58 Key Takeaways from Net Worth Data 12:03 How to Be in The Top 1-10% in Your 20s 16:17 How to Be in The Top 1-10% in Your 30s 21:17 How to Be in The Top 1-10% in Your 40s 25:22 How to Be in The Top 1-10% in Your 50s 30:51 How to Be in The Top 1-10% in Your 60s Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Today, we're sharing net worth by age to see exactly where you stack up.
0:03.4	Whether you're in your 20s, 30s, 40s, 50s or 60s, we have the data showing whether you're
0:08.4	behind or ahead of the north.
0:16.5	Hello, hello, hello, hello, and welcome to the Bigger Pockets Money podcast.
0:19.9	My name is Mindy Jensen. And with me, as always, is my worthy co-hosts Scott Trench. Thanks, Mindy. You're the top 1% of Bigger Pockets Money co-hosts I've ever worked with. Well, thanks. Talking about net worth by age, including the percentiles there, the 10 percentile, the 5 percentile, and if you aspire to be like Mindy, the top 1% for net worth by age, including the percentiles there, the 10 percentile, the five percentile,
0:44.7	and if you aspire to be like Mindy, the top 1 percent for net worth by age across all these different ranges here.
0:46.0	So it's going to be a great discussion.
0:49.0	We're going to preview the data with and without home equity.
0:53.8	We're going to conjecture about how we think most people got into those ranges.
0:55.2	You tell us if you agree or not.
1:02.1	And then we're going to discuss what needs to happen, get into the top 10%, the top 5%, or the top 1%, in your 20s, 30s, 40s, and 50s, and your 60s, and have a great discussion about it.
1:07.2	I am excited to jump in. First off, Scott, let's define net worth. What does
1:13.2	net worth mean? Networth is the total value of everything you own, all your assets, minus the
1:19.3	value of everything you owe your liabilities. This is distinct from a fire portfolio. If you've come
1:26.3	across that term before here on Bigger Pockets
1:28.1	Money. This is not just talking about the assets in a financial portfolio. This is including
1:33.3	everything, which, you know, for example, might include cash and savings accounts, investment accounts
1:38.4	like stocks, bonds, and retirement funds. We have real estate, including your primary residence.
1:42.7	We have vehicles, personal property value, and business ownership stakes.
1:48.3	And liabilities, of course, will be any debt whatsoever, which include mortgages, credit cards, student loans, car loans, personal loans, and anything else that you might owe.
1:57.7	That's your net worth.
1:58.7	We will break out the data including and not including
	...

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