Anonymous
ID: V6lERez6
6/12/2025, 9:48:14 PM No.60496676
>chatgpt says if you’ve got $20K–$100K saved and minimal debt by 30, you’re already ahead of most people.
how true is this?
how true is this?
Replies:
what should be my financial net worth by 30? - /biz/ (#60496676) [Archived: 1128 hours ago]
Anonymous
ID: bUnEATPW
6/12/2025, 9:53:55 PM No.60496699
It's very true.
The vast majority of the people in America are very broke.
Not to make you stagnant, but look at the median net worth of someone in their 30s in America
The vast majority of the people in America are very broke.
Not to make you stagnant, but look at the median net worth of someone in their 30s in America
Replies:
Anonymous
ID: 0Z4qaznb
6/12/2025, 9:55:30 PM No.60496708
>>60496676 (OP)
depends on your goals
depends on your goals
Anonymous
ID: PqKQ6Tca
6/12/2025, 9:59:37 PM No.60496726
>>60496699
Does this include home equity?
Does this include home equity?
Replies:
Anonymous
ID: bUnEATPW
6/12/2025, 10:02:43 PM No.60496745
>>60496726
Yes.
Most people on here genuinely don't realize how broke most people are because they're chronically online lmao
Americans are not doing well, bro
Yes.
Most people on here genuinely don't realize how broke most people are because they're chronically online lmao
Americans are not doing well, bro
Replies:
Anonymous
ID: DmYvU+yD
6/12/2025, 10:03:56 PM No.60496752
>>60496676 (OP)
It is true but keep in mind the average American is fucking retarded financially and saves almost nothing.
By 65 loads of people are almost entirely dependent on social security. Another chunk will have equity in their house because they got a mortgage and were forced to save. Once you get to whoever also saved whatever the default 5, 10% contribution to the company 401k that's easily better than 80% of people.
It is true but keep in mind the average American is fucking retarded financially and saves almost nothing.
By 65 loads of people are almost entirely dependent on social security. Another chunk will have equity in their house because they got a mortgage and were forced to save. Once you get to whoever also saved whatever the default 5, 10% contribution to the company 401k that's easily better than 80% of people.
Anonymous
ID: ql7iOfGZ
6/12/2025, 10:06:28 PM No.60496768
>>60496676 (OP)
That's the AVERAGE which means it'll include the billionaire dudes with Dad's money.
A better way to tell what's really going on is look at the MEAN.
Mean Net Savings=Mean Savings−Mean Debt
Mean Net Savings=$20,540−$30,170=−$9,630
With these stats, the more realistic average 30 year old has about -10k in savings
That's the AVERAGE which means it'll include the billionaire dudes with Dad's money.
A better way to tell what's really going on is look at the MEAN.
Mean Net Savings=Mean Savings−Mean Debt
Mean Net Savings=$20,540−$30,170=−$9,630
With these stats, the more realistic average 30 year old has about -10k in savings
Anonymous
ID: PqKQ6Tca
6/12/2025, 10:08:58 PM No.60496778
>>60496745
Holy fuck that includes 401k. Americans are really poor. I’m doing so much better than my peers.
Holy fuck that includes 401k. Americans are really poor. I’m doing so much better than my peers.
Replies:
Anonymous
ID: zoNEi+/t
6/12/2025, 10:09:54 PM No.60496784
>>60496676 (OP)
as long as you can eat everyday and have a roof, who fucking cares
as long as you can eat everyday and have a roof, who fucking cares
Anonymous
ID: bUnEATPW
6/12/2025, 10:12:48 PM No.60496800
Anonymous
ID: xsxuj8NC
6/12/2025, 10:21:05 PM No.60496846
>>60496676 (OP)
Don’t compare yourself to normcattle. You should have close to 1 million if you are here
Don’t compare yourself to normcattle. You should have close to 1 million if you are here
Anonymous
ID: dRwJzIFm
6/12/2025, 11:36:16 PM No.60497165
>>60496676 (OP)
It's quite interesting because it seems that in the US 1 million doesn't make you rich because of the cost of life in general that went parabolic in the last years but most people are super broke which means that inequalities are extreme and the middle class is globally dead now. This is fucking grim, in the end the best play is to leave the country isn't it ?
It's quite interesting because it seems that in the US 1 million doesn't make you rich because of the cost of life in general that went parabolic in the last years but most people are super broke which means that inequalities are extreme and the middle class is globally dead now. This is fucking grim, in the end the best play is to leave the country isn't it ?
Anonymous
ID: fNXhdimt
6/12/2025, 11:55:55 PM No.60497233
>>60496699
I remember looking at the data, it's also by household.
I remember looking at the data, it's also by household.