# The Exact Amount You Should Have Saved At Every Age

## Метаданные

- **Канал:** Marko - WhiteBoard Finance
- **YouTube:** https://www.youtube.com/watch?v=8-LUcWcl5gw
- **Дата:** 19.04.2026
- **Длительность:** 15:39
- **Просмотры:** 64,947
- **Источник:** https://ekstraktznaniy.ru/video/49493

## Описание

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This content was conducted on behalf of The Metals Royalty Company Inc. (NASDAQ: TMCR) and was funded by Outside The Box Capital Inc. After Marko Whiteboard Finance was engaged by Outside The Box Capital Inc. to advertise for The Metals Royalty Company Inc. (NASDAQ: TMCR).

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The median American household headed by someone in their 60s has a net worth of $409,900, including the house. Strip out home equity, and most people have around $150,000 in liquid savings at the peak of their financial life. Social Security was never designed to carry that load alone.

In this video, I break down where most Americans stand at every decade, the exact benchmarks you should be hitting, and the moves that change your savings trajectory.

📌 WHAT YOU'LL LEARN:
→ The exact net worth benchmarks from your 20s through 60s (Federal

## Транскрипт

### The number most Americans retire with []

The median net worth of an American household led by someone in their 60s is approximately $49,900 including home equity. When you exclude home equity, liquid savings are typically estimated at about $150,000. Social Security was intended to supplement, not replace personal savings. If you're in your 30s or 40s and planning to address this problem later, this video will show you where most Americans stand at each age, how you compare, and how much you need to have saved moving forward.

### What net worth actually means [0:33]

Let's get into it. Before reviewing the numbers, it's important to clarify that net worth is the total value of your assets minus your liabilities. I know this is common sense, but there's usually small misconceptions about this. This calculation includes items such as your car, uh, savings, uh, retirement accounts, and investments minus any student loans, credit card balances, or car loans. It's basically what you own that has value minus what you owe. Your assets minus your debt. So, according to the latest survey of consumer finances, the median net worth for households headed by someone aged 25 to 34 is $39,000, nearly triple the 2019 figure due to rising home prices and market values during the pandemic. However, your 20s should focus on building strong financial habits because this is the foundation that we're going to build on.

### Your 20s — habits that compound for 40 years [1:24]

That's why I'm calling this the foundation. So, aim to save at least 10 to 15% of your net income. If that isn't realistic, start with 5% and increase your savings rate as your income grows. Consistency is more important than the initial percentage at this point. If your employer offers a 401k match, contribute enough to receive the full match as this provides an immediate 100% return unmatched elsewhere in finance. Unless your buddy has some scam coins that he wants to sell, match up with the 401k. And then also remember, assets minus liabilities equals your net worth. It's a good way to take a snapshot of where you're at. It's similar as uh the weight on a scale, for example. Okay, time for your 30s, baby. It's time to get real. Ask me how I know. So, this decade is when your financial progress becomes significant. Federal Reserve data shows the median net worth for households headed by someone aged 35 to 44 is $135,000. benchmarks show that you should have saved an amount equal to your annual salary by age 30 and three times your salary by age 40. Okay, 1x salary, 3x

### Exact savings benchmarks by decade (2026 data) [2:31]

salary. For example, earning $70,000 annually means targeting $70,000 saved by 30 and $210,000 saved by 40. While some people can't meet these targets, they at least provide a clear reference point. In 2026, you can contribute up to $24,000 to a 401k or 403b and $7,500 towards a Roth IRA, totaling $32,000 in tax advantaged accounts. Even contributing 50 to 60% of these limits puts you ahead of most. The main risk in your 30s is lifestyle inflation, where increased income leads to higher spending rather than higher savings. Those who build wealth allow their savings rate to outpace the growth of their lifestyle. Remember in my last few videos we talked about the lifestyle gap never closing. The next decade, however, offers even more opportunities. And this is where things start to get real juicy. And that's in your 40s, baby. Where you get a little bit of salt and pepper, but I'm not there yet. I still have the stamina and the vitality. One of those old Jester for men commercials. He has the age and the experience. Time for the moment of truth. Your 40s reveal the impact of your earlier financial habits, just like your body shape reveals your calorie consumption and activity habits. Do you like who you see in the mirror? What about your balance sheet? Do you like how that looks? Yeah, I like who I see in the mirror. You're the best investor in the world. Yeah. Yes. I wake up. I turn on my little LED mirror in the bathroom. I say, "You're the man, dog. " No, I'm just kidding. And then I just crippling depression that I have to make another YouTube video. I may cut that. I'll probably leave it in because it's true. Just kidding. So, Federal Reserve data shows the median net worth for households headed by someone aged 45 to 54 as $246,000. Benchmarks recommend saving four times your salary by age 45 right here and uh six times by age 50. Okay. For an $85,000 salary, this means $340,000 by 45 and $510,000 by age 50. One critical but often

### The 1% fee quietly draining your retirement [4:45]

overlooked factor is investment fees. Okay. 1% on $500,000 on a $500,000 portfolio is $5,000 per year. Okay. However, if you've been listening to this channel since 2017 because your dogs just had your best interest in hand for ever. Okay, if you had a lowcost index fund in your portfolio averages as an expense ratio of uh basically 0. 03%, that same $500,000 portfolio is going to cost you $150 per year instead of five grand. See the difference? Over time, these costs add up significantly. Review your fund expense ratios. If any exceed 0. 2%, consider switching to lowcost index funds. If you still haven't started investing, check out the link below for my favorite investing platforms. It helps the channel at no additional cost to you. On top of this, do not borrow from your retirement early, okay? Early withdrawals are taxed, penalized, and lose decades of compound growth. Maintain a separate emergency fund to avoid this costly mistake. Now, the next section is what we call the catch-up decade, and it's a critical one, especially if you haven't done any of this stuff up and uh throughout your 40s yet. But before that, let's get into today's sponsor, the Metals Royalty Company. This segment is sponsored by the Metals Royal Company, ticker symbol TMCR, which trades on the NASDAQ, and compensated me to share this information. Most people are unaware that the United States imports the vast majority of its critical minerals for electric vehicles, batteries, and national defense. In response, the government is investing significantly through executive orders, a new NOAA regulatory framework, equity stakes, and domestic projects, and the 12 billion dollar project vault strategic mineral reserve. They announced that earlier this year. The effort to onshore America's mineral supply chain is now a funded policy, not just a discussion. TMCR was established for this environment. As a royalty company, TMCR does not engage in mining. Instead, it holds a 2% gross overriding royalty on one of the world's largest estimated poly metallic nodule deposits in the Pacific Ocean operated by the publicly traded company TMC. This royalty model allows TMCR to earn a percentage of gross production revenue without development or operating cost similar to the approach used by Franco Nevada and Wheat and Precious Metals in the precious metals sector. TMCR is applying that model to critical minerals. This is an early stage company in an emerging sector. TMC targets system commissioning in Q4 2027 and commercial production in early 2028 pending regulatory approval. Again, nothing is guaranteed. Do your own research. The link is in the description. Thanks for watching. By age 55, aim to have saved seven times your salary and by age 60, 8x. Okay. Take

### Your 50s — the catch-up window most miss [7:41]

advantage of IRS catchup contribution limits. Uh you can see here if you're 50 plus your 401k is going to be $32,500 a year. Uh and then if you're 60 to 63 according to the secure 2. 0 act you have super catchup which is $35,750 a year. So these higher limits can help close savings gaps from earlier decades because you were lazy and irresponsible and you bought a sports car and a jet ski and a second home and you just live that boomer lifestyle. Sorry, I had to Oh, we had Vietnam. Okay, dude. It is also important to note that according to the Bureau of Labor Statistics data, earnings typically peak between ages 35 and 44 and then begin to decline. Your 50s are your last opportunity to significantly increase your income with your experience and current labor market trends. You have leverage until AI just turns everyone into a UBI socialist robot. If you've

### Why most Americans never build enough wealth [8:36]

been considering asking for a raise or promotion, now is the time to act. Okay. Before addressing your 60s, it is important to recognize that many people don't accumulate sufficient wealth often due to factors beyond their control. Key reasons include financial illiteracy. Uh we have procrastination. Okay, this reduces compound growth. Uh we have high interest rate debt. We have lifestyle inflation. We have life events. And we also have inflation. these six. If you can get these under control, if you can watch channels like mine or other personal finance YouTubers or educators, you're checking this box off. If you start early, remember all the examples that I've given in other videos where we show you when people start investing with the same exact amount per month at age 25 versus 35, it makes a huge difference when compounded over time. Uh high interest rate debt. Remember, when you pay off high interest rate debt, you're making a guaranteed tax-free rate of return for whatever that debt is. So, if you have like a 25% uh credit card, you pay that off, you're making a guaranteed rate of return of 25%. Next is lifestyle inflation. Again, in this video, if you don't close the lifestyle gap, you're never going to uh basically reach financial independence. The paths will never cross. Your income will never um surpass the lifestyle, if you will. Number five, life events. You have things like, god forbid, sickness, uh, divorce, you know, death thing, accidents, things like that. You know, these are out of our control for the most part. Um, but you can wear a seat belt. You know, that would help. And then also marry the right woman. That's a big one. It's becoming everinccreasingly difficult. Uh, and number six is inflation. This is a stealth tax on everybody. Okay? So, when you uh save in fiat and you put your fiat dollars underneath your bed or in the drywall, guess what happens uh to that purchasing power over time? Your PP is getting smaller and smaller because of what we call inflation. So, if your money is not earning anything sitting there, it is a melting ice cube. Here we are at the finish line, baby, your 60s. At this stage, the median household net worth for Americans aged 65 to 74 reaches $49,000, which is below the recommended benchmark of 10x your mid60s. Okay. For instance, earning $100,000 in your final working years, uh, you would suggest a 1 or no, it would suggest a $1 million portfolio. Duh. 100,000 times 10. My bad. Sorry. It's hard to do this on the fly. My math. I am good at math. I like numbers. Actually, I'm pretty good at mental math. Just It's hard, dude. Lights, microphone, just give me a break. Okay. Two important considerations in your 60s are often overlooked. First, claiming Social Security at age 62 reduces your monthly benefit by up to 30% permanently. Waiting until full retirement age, 67 for those born in 1960 or later, provides the full benefit. Okay? If you

### The Social Security move that changes everything [11:37]

wait, you you're not going to get any benefits because you're dead. Okay, all joking aside, delaying until age 70 increases your benefit by 8% per year, offering a guaranteed annual return. Second, withdrawals from a Roth IRA or Roth 401k are tax-free after age 59 and a half. Over a long retirement, these tax savings can be significant and they should be a key part of your strategy. So, that's all I have for the 60s. Hopefully all you guys are doing well. I know you guys got a couple muscle cars. You guys got some grandkids that you never talk to. I'm just kidding. I'm being too harsh. My parents are in their 60s. They're the best uh parents in the world. They watch my kids a lot. I wouldn't have it any other way. I'm truly blessed that all four of my parents and my wife's parents are still alive and healthy. Thank God. Okay, as always, my candid thoughts at the end of the video. Like you're getting a beer with your friend, but your friend right here, baby, doesn't drink beer because he's trying to get that six-pack for the ladies. All right. Financial success. Just kidding. Happily married right here. Look. Why is it on your right hand? left hand? Financial success is straightforward. Spend less than you earn. Save consistently. Increase your savings rate as your income grows. Invest in lowcost tax advantaged accounts. and allowed your investments to compound over time. The main challenge is maintaining discipline despite ongoing pressure to spend. From my experience, financial stability improves every aspect of your life. Okay? If you would like to explore these topics further, you guys check out Whiteboard Finance University, my private community. Guys, it's $10 a month after fees. I don't really make anything. It's just to maintain the ongoing cost of the software and the platform and for other overhead expenses. But it's a nice little community with about 300 400 members at this point there. Just so you know, you're actually getting something in there. You have uh full courses, real estate, stock market, personal finance, budgeting. Uh I'm in there every Thursday at 5:00 p. m. Eastern on a live stream. We have about 20 30 people that join. It's awesome. It's a good conversation. Oh, check out this trade right here. A little 101% banger on Google. And then we did about I think 13 or 12. 8% on what was it? It was just the other day. I'm getting old. Um Tesla Tesla, that's what it was. But it's not a trading community. It's all about long-term uh investments. Okay. It's a very mature community. It's not some like teenager Discord with 8 million chats and eggplant emojis. Uh so, how much does it cost? Oh, I'm glad you asked. $10 a month so my kids can go to college. Okay. But college isn't going to exist when they're of college age because of AI. Okay, AI is going to get rid of all white collar jobs and you're going to be on the UBI government plantation saying, "Please, please airdrop me my freedom coin. Please, I need to eat this month. " Uh, so AI is going to eat all jobs. But at least I can extract $10 a month from my audience. Uh, all joky aside, ton of value in this community. I like to make jokes, but it's uh probably one of the best value finance communities out there, and I'm not exaggerating at all. Okay, so as always, hopefully you got value out of this video. Hopefully you know where you stand. I know some of these benchmarks are kind of hard to attain, especially when everything's very expensive and inflation is like 8 trillion% a year. However, they're just benchmarks. You guys try to get as close as possible and I promise you'll still land above, you know, 70 80% of your peers financially. All right, thank you for watching. Please share the video with 12,000 friends and as always, have a prosperous day. Oh, but Marco, I want UBI. I want universal basic income. Why? Well, I just want to make art, you know? sit by the lake and draw. Hey, leave that to Michelangelo, bro. Okay, leave it to Bernini. You're not that guy, pal. You're not an artist.