What Is Your Net Worth?
Calcula tu patrimonio neto real: activos menos deudas.
Why Net Worth Matters More Than Income
A person earning $200,000/year with $300,000 in debt has a lower net worth than someone earning $50,000 with $150,000 saved. Net worth measures wealth; income measures cash flow. Tracking net worth over time is the single best indicator of financial health — it should grow every year.
Average Net Worth by Age (2026)
Federal Reserve data shows median net worth by age: under 35: ~$39,000; 35-44: ~$135,000; 45-54: ~$247,000; 55-64: ~$364,000; 65-74: ~$410,000. These include home equity, which accounts for the largest share for most Americans. If you exclude home equity, the numbers drop dramatically.
How to Increase Net Worth
Three levers: increase assets (save and invest more), decrease liabilities (pay down debt), or both. The highest-impact actions: maximize 401k/IRA contributions (tax-advantaged growth), pay off high-interest debt first (credit cards at 20%+ are wealth destroyers), and avoid lifestyle inflation when income grows.
The Federal Reserve Survey of Consumer Finances shows that the median American household net worth is $192,900 — but the mean is $1,063,700. This massive gap between median and mean reflects extreme wealth concentration at the top.
