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Free Money Finance

Free Money Finance

Americans Have Low Net Worths

Posted: 01 Aug 2016 02:05 AM PDT

After posting Americans Have Way Too Much Credit Card Debt, here's another set of facts that show the average American isn't very good with money.

Time lists the average net worths of Americans by age as follows:

  • Less than 35 years old: $6,676
  • 35-44 years old: $35,000
  • 45-54 years old: $84,542
  • 55-64 years old: $143,964
  • 65-69 years old: $194,226
  • 70-74 years old: $181,078
  • 65 years old and older: $155,734

Not great numbers.

But wait, it gets worse.

Here are the net worth numbers excluding home equity:

  • Less than 35 years old: $4,151
  • 35-44 years old: $14,226
  • 45-54 years old: $25,005
  • 55-64 years old: $45,447
  • 65-69 years old: $43,921
  • 70-74 years old: $31,823
  • 65 years old and older: $20,366

So when you look at it, Americans have saved very little once the value of their homes is excluded.

That's not good for retirement.

Here's Time's commentary on this situation:

"Generally, the rule of thumb is that retirees should plan on tapping retirement saving to the tune of 4% annually. However, following that advice means that if you’re retiring with a $100,000 retirement nest egg, you’ll only be taking out $4,000 per year. If you combine that income with Social Security income — the average retiree receives $1,333 per month — then you’re talking about less than $20,000 per year in income. That’s unlikely to be enough to live on."

Uh, yeah.

Again, not a shocker that it's bad news.

Overall, Americans need to live within their means and widen the gap between income and savings. Then they need to invest the gap so it grows into a substantial asset base. Those few steps would go a long way to correcting the disturbing numbers shown above.


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