---
title: 'How Much Money Do ''Above Average'' People Have?'
source: 'https://youtube.com/watch?v=TOcATZs9sks'
video_id: 'TOcATZs9sks'
date: 2026-08-05
duration_sec: 87
---

# How Much Money Do 'Above Average' People Have?

> Source: [How Much Money Do 'Above Average' People Have?](https://youtube.com/watch?v=TOcATZs9sks)

## Summary

The video analyzes Federal Reserve data to show how much money people have at different ages, comparing average and above-average net worths. It highlights that being in the 75th percentile requires roughly 2.5 to 3 times the average, and emphasizes the importance of early investing and consistent saving.

### Key Points

- **Average net worth by age** [00:01] — According to the Federal Reserve, people under 25 have around $11,500, and those aged 25-29 have $35,600 on average.
- **Above-average threshold** [00:14] — To be in the 75th percentile (ahead of three out of four people your age), a person aged 25-29 needs $147,600.
- **Above average requires 2.5-3x** [00:30] — To be considered above average, you need roughly 2.5 to 3 times the average person's net worth.
- **How to reach above average** [00:43] — People in the 75th percentile typically invested early, saved consistently, and lived well below their means.
- **Growth from 30 to 55** [00:56] — The median person's net worth grows from $100,000 to $411,000 (about 4x in 25 years), while the above-average person goes from $210,000 to $1.185 million.
- **Importance of early compounding** [01:09] — The gap you can make in your 20s and 30s compounds for the rest of your life.

### Conclusion

The video encourages viewers to start investing early and saving consistently to become above average, noting that even starting from zero at age 40 is possible, but the earlier you start, the better.

## Transcript

much money you should have for every age. According to the Federal Reserve, someone under the age of 25 is around $11,500, and for someone between the ages of 25 to 29, it's $35,600,
average looks like. You can see that if you're in the 75th percentile, that means you're ahead of three out of four people your age. So, for the bracket of 25 to 29, for example, to be considered above average, you need to have $147,600
board, that means you need roughly 2.5 to three times the amount that the average person has to be considered above average. Now, you don't need to earn more money to get there. Usually, people in the 75th percentile, they just
ended up investing early, they saved consistent, and they lived well below their means. That is best illustrated between the ages of 30 to 55, so you can see that the median person goes from $100,000 to $411,000.
That's roughly four times their net worth in 25 years, but the above average worth in 25 years, but the above average person, they go from $210,000 to $1.185 gap that you can make in your 20s and 30s is going to be the one that actually
compounds for the rest of your life, and I will have a separate video on what to later. So, say you're starting from zero at the age of 40. As always, let me know in the comments what you think, and maybe your age and net worth. And if
stuff, then that's a really good sign. You're on your way to becoming above You're on your way to becoming above average or even higher.