The Average Retirement Savings By AGE! (2025 Edition)
The Personal Finance Podcast
Average savings in your 20s and common hurdles
Andrew states the 401(k) averages for ages 20–29 and describes barriers like low income, student loans, and lack of habits.
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In this episode of The Personal Finance Podcast, Andrew breaks down the average retirement savings by age in 2025 using Fidelity's data from millions of 401(k) accounts—revealing how much people actually have saved in their 20s, 30s, 40s, and 50s compared to what they should have, showing that most Americans are falling short of retirement readiness, walking through the unique financial challenges each decade faces from student loans and low income to lifestyle creep and peak expenses, plus giving you actionable strategies to overcome these obstacles so you can catch up or stay on track and build enough wealth to retire comfortably.
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Links Mentioned in This Episode:
- The 1-3-6 Method For Building & Managing Your Emergency Fund
-  Wealth Builders Matrix
- How to Find The Right CPA
- Automate Your Money Checklist
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