Money Guy Show Average Net Worth By Age! (2026 Edition)
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Jan 9, 2026 Discover how net worth varies by age in a fascinating dive into American finances. Explore the critical difference between average and median net worth, and learn why the latter matters more for financial planning. Dive into age-specific milestones for your 20s, 30s, 40s, and 50s, complete with actionable strategies for saving and optimizing your financial future. Find out how a tax-efficient strategy can significantly boost your retirement funds. Get ready to evaluate where you stand and enhance your wealth-building journey!
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Net Worth Is Assets Minus Liabilities
- Net worth equals what you own minus what you owe, including cash, investments, business interests, and real estate.
- Brian and Bo value primary residences at cost plus improvements to avoid a false sense of security from market appreciation.
Use A Net Worth Tool Regularly
- Use a net worth template or Money Guy net worth tool to track assets, liabilities, and three-bucket allocations.
- Bo recommends the dashboard view to communicate finances with a spouse and run your financial enterprise.
Median Versus Average Net Worth Matters
- Median net worth is much lower than average because high-wealth households skew the mean.
- Focus on investable assets you can use for financial independence rather than total home-included net worth.