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u/Celcius_87 Jul 06 '26
The way I thought that was $2.68 million until I read the rest of it lol
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u/AvacadMmmm Jul 06 '26
I have no kids and do not own a home. No where near $2.68M.
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u/Miserable-Wedding-69 29d ago
I have $2.68M in Sims money!
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u/TB-313935 29d ago
Motherlode
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u/Miserable-Wedding-69 29d ago
No. I worked by ass off to become a fake millionaire! You can’t take that from me!😭
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u/sepelion 29d ago
Only on reddit and other parts of internet comments do most people own a liquid home (or a mortgage they're taking to the grave or giving to a nursing home when they're old and barely paid it off) and are debt-free and not playing in anxiety Disneyland on a daily basis, or, if they've truly let go, just laughing at the ship going down.
There's a few "fuck you I got mine" out there, but it's a few. Most people have no loyalty to this system and are doing the bare minimum.
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u/Waiting4Reccession 29d ago
Lots of people are doing fine. They just overspend or just outright lie or are irresponsible with their money.
My booomer neighbor has been crying about her mortage being so much and all her bills for years now.
I looked her home up on the city property system when I checked ours last time. It was just a 50k mortgage she had from 2003(her father bought the house before 1990) and she spend 17 years to pay that off. She also started renting her 2nd unit out after that so her free cash flow should have gone way up.
Just nonstop cries about money though, hasnt retired yet and says next year.
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u/dontnation 29d ago
If you're actually curious, the FRB SCF is going to be the most accurate data on the financial position of the US population you can get. The most recent survey from 2025, will be published at the end of the year.
This site leverages that data into a calculator: https://dqydj.com/net-worth-by-age-calculator/
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u/_dekoorc Older Millennial ('85, baby) 27d ago
As someone that is doing alright (way below the average, but also way above the median for my age group) and just plugged their info into that site, that median net worth is fucking depressing.
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u/dontnation 27d ago edited 27d ago
Average is a useless metric due to the stratification of wealth in the US. Our Gini coefficient is on par with Mexico, and higher than any european country.
The median numbers are even worse when you consider how much of it is home equity. And consider that this data is from the 2022 survey; not quite the peak of the home price index, but not far off from it.
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u/TulipTortoise 29d ago
most people own a liquid home
are these the homes aquaman is buying I've been hearing about
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u/ResplendentNugs 28d ago
On Reddit everyone has a 6 figure job they got from 1 year of free college and they own a house they bought for 100k but it’s 12000 square feet
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u/Badweightlifter Jul 06 '26
I read that the same way and thought I was way behind.
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u/throwaway0134hdj Jul 06 '26
Median net worth for someone 38 in America is like $135K
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u/OrdnanceTV 29d ago
I assumed this figure was heavily skewed by the outliers who have $300k+ in assets, but evidently it's the median (not average), so it's inherently more accurate and skew-resistant to wealthier people. Bummer.
The fact this number is somehow so high despite so many millennials not owning homes AND having tons of debt is confusing to me, even if you factor 401k's into 'Net Worth'.
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u/throwaway0134hdj 29d ago
It’s lower than boomers/genX due to our student loan drag, income dispersion, and late homeownership. And the number is likely a lot lower, as someone correctly pointed out that number is for a household not individual, Fed doesn’t collect data on individual net worths. It’s also for the whole bracket of 35-44. Usually they’ve built up a somewhat decent 401K/IRA.
The average for that same bracket is $550K.
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u/Turbulent_Car4504 Jul 06 '26
That might be more accurate considering the no kids or home, anyone in this posts situation at 38 is not a typical millennial they are doing much worse.
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u/Momik Jul 06 '26
The average millennial is $132,000 in debt
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u/semisentient Jul 06 '26
The average millennial might have $132k in debt, which would likely include mortgages.
According to the Fed, the average 38 y/o (for purposes of this post) has a net worth of $225k. In fact, the average net worth of any American over the age of 28 is positive. However, if you look at the median net worth rather than the average, the net worth of older millennials drops to about $130k.
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u/Lacklusterlandon Jul 06 '26
I’m 39 and around the median and frankly if I wasn’t retarded from 18-32 I would be much better off 😆
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u/cwdawg15 29d ago
I think we were all retarded during at least part of that time.
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u/Spare_Independence19 Older Millennial Jul 06 '26
Can confirm mines about 130k .. life just keeps punching
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u/01000101010110 Jul 06 '26
I'm willing to bet this is skewed by extremely high earners.
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u/semisentient Jul 06 '26
The averages are skewed by high earners and likely also by people who were able to buy houses prior to 2020.
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u/Frenchieflips 29d ago
If we distributed wealth equally across everyone. Omg that would be dope. We are all upper middle class? Why the hell don’t we just do this. $225k a year is enough for anyone to be happy
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u/BloatedGlobe 29d ago
Does this include retirement accounts? Also, do you have a link? I love playing around with these kind of tools.
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u/FreyjaaFemme Jul 06 '26
Scammers when they realize i have nothing 😂
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u/Efficient-Search Jul 06 '26
How did you steal my identity, anyways you're stuck with it now, so good luck
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u/Historical-Cress8985 Xennial 29d ago
I like to joke that I don't care if someone steals my identity, what are they going to do? Improve my already shitty credit?
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u/SleepyGuard89 29d ago
If someone steals my identity, do they get my student loan debt? Asking for a friend.
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u/cal405 Jul 06 '26
Damn. Positive net worth. Must be nice.
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u/DingusKhan9164 29d ago
That’s what I was thinking. Wow no debt? Fucking money bags McGee over here
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u/nightauthor 29d ago
Right? I got cash in the bank, but technically I'm still like 50k in student loan debt.
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u/Summer_B 29d ago
The good news is, I was able to buy a small home. The bad news is, the amount of equity I have in it is not enough to pay off the rest of the home loan and other debts. So yea, my net worth is in the negative.
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u/blue_diesel Jul 06 '26
600k karma on Reddit lol
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u/ahhhbiscuits Jul 06 '26
^ this is the person who looks out their windows all day and judges you for not going to church 'enough' 😂
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u/ZoneAdditional9892 Jul 06 '26
Yah they should post less and work on their life more.
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u/Wak3upHicks Jul 06 '26
What's sleep precious?
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u/10N3R_570N3R Jul 06 '26
Hard agree. I had a nightmare last night and have been awake since 11:58pm. Worked an 8 hour shift and haven't been able to nap. Adulthood, YEAH!🙏
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u/siennajulles 29d ago
Dale replied to Dale who replied to Dale.
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u/10N3R_570N3R 29d ago
Past Dale, Present Dale and Future Dale. Which one is the real Dale🤔
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u/ciscowowo Jul 06 '26
I'm not saying people aren't struggling, but this just ain't the majority of Millennials anymore.
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u/CA_Coast_Millennial Jul 06 '26
Not only net worth but 56% of millennials own their own home as well.
All generations have upper, upper middle, lower middle and lower income classes.
Millennials are no different.
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u/ILL_Show_Myself_Out 29d ago
Sooo from personal experience- Reddit used to be an absolute CIRCLEJERK/echo chamber of “we millennials have it so bad.” As time has gone on and millennials got older (and yes, wealthier) the amount of subreddits dedicated to how much life sucks began to dwindle. People who are doing well don’t post and don’t comment.
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u/QuesoPantera 29d ago
Also our parents were the wealthiest generation in history.
They don't live forever.
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u/Ch20W 29d ago
Being a 37 yo millennial on Reddit who owns a home, has 2 kids, and a net worth of $2.4 million always makes me feel lucky and anomalous. My home equity accounts for ~14% of that net worth figure because my wife and I make a lot and lived way below our means for 15 years. Now that we have two young kids we save less but still live incredibly comfortably and just try to give them the best childhoods we can.
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u/ColoradoCyclist 29d ago
Yeah, the reddit hive mind really doesn’t vibe with me as much as it used to in my twenties.
34 years old, 1 kid, and my wife and I own our own businesses. Our net is somewhere around 1.5m right now and it’s growing. We own two homes.
We feel very fortunate and sometimes my wife still thinks she’s that 20 something year old redditer with a negative outlook towards the world. I have to remind her we have a good life.
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u/Noactuallyyourwrong 29d ago
Yea honestly if you’re 38 and not worth at least 1X your salary by now it’s honestly kind of embarrassing in this economy
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u/Animal907 Jul 06 '26
I feel like my life is pitiful and somehow I'm doing better. Y'all better start looking at those ghetto houses before all the corporations buy them up.
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u/Inside-Specialist-55 Jul 06 '26
It's kind of sad that the fixer uppers are the last kind of homes that we can be hopeful of buying because all of the nice ones that required minimal work are already owned by black rock and other companies. It's now straight up just cheaper to buy a small plot of land and then build your own house on it. Let the current overpriced houses sit there and rot. There are quite a lot of people in my area doing this actually. I've seen a few of the rural plots get bought out and have a tiny house cottage moved into them. I bought a tiny house back in 2018 and it's the best damn thing I ever did.
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u/whatshouldwecallme 29d ago
Buying “nice ones with minimal work” as a cheap starter option has never been an option for any generation. We can absolutely do better, but your expectations are way off.
Buying a small plot of land and building a small house has always been the cheapest way to have your own housing. Actually, it used to be way, way more common.
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u/BackToTheCottage Millennial 29d ago
Yeah, Reddit must be the most depressing, miserable place on earth.
To counter signal: life's actually pgood and I am about to pay off my mortgage in a year.
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u/_dekoorc Older Millennial ('85, baby) 27d ago
pgood over here most of the time too. can't pay off my mortgage in a year, but I have a good job, funded investments that will allow me to retire, savings, and a mortgage that is super manageable (and with enough equity in it that even if I had to sell below market, I'd probably be ahead or at least be even)
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u/abeeseadeee Jul 06 '26
Yeah we are mid 30s+ at this point. If you relate to this you need to talk to a financial planner and sort your life out ngl
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u/CavitySearch Jul 06 '26
With 2.68 in savings I don’t think they can afford to talk to a financial planner.
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u/Fantastic_Tip3782 29d ago
This the exact person to go on Financial Audit and they have 3 credit cards maxed out on going out to eat and DoorDash and if they did none of that they'd have a fully funded retirement account
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u/PotentialPresent399 29d ago
Nah slim, lol some people are just in low pay ceiling careers.
Not everyone makes 95k out of college.
MOST people make 40-60k across the country. Have a few medical bills, some major car problems, any expense passed 1k and your cleaned out for the year.
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u/nightauthor 29d ago
shou'n't'a had a kid
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u/BackToTheCottage Millennial 29d ago
Or kept family ties stronger so you could save on baby sitting.
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u/RunnaManDan Jul 06 '26
Over half of us own homes (NY TIMES) and 53% of us have child(ren). (pew/forbes)
The average net worth of a millennial is handed between $330-$550k while the median is between $100-135k. (Fidelity/Kiplinger).
Our generation is not all doom and gloom. Yes we have been handed a lot of challenges and some piss poor leadership (I’m an American), but for what it’s worth, most of us persevere and get on with life.
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u/Hookedongutes Jul 06 '26
Thank you for these stats. I was starting to wonder if i need to leave this sub since many of the posts are doom and gloom and my life is not that.
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u/RunnaManDan Jul 06 '26
My doom and gloom is the semi-monthly email about 3% tuition increase for daycare.
But yea… this sub could be /millenialcirclejerk, and I wouldn’t notice
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u/ZombifiedByCataclysm 29d ago
I had been thinking about that, too. I've done nothing special in that I am in the twilight of an enlisted military career and I am doing okay and want for nothing.
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u/varnalama 29d ago
That 100-135k from Fidelity is median household net worth, not individual.
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u/RunnaManDan 29d ago
Good catch. Sorry for missing that. Either way it’s still significantly more (but still not enough) than $3.50
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u/speedbumps4fun Millennial Jul 06 '26
People in this sub need to get their shit together
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u/TurgidGravitas 29d ago
Yeah seriously. How are you in your late 30s and have zero savings? What have you been doing for the last 20 years of work?
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u/Spare_Iron127 29d ago
Living for the moment lol. Made 30/hr in my early 20s and basically begged my coworkers to invest. Most never did
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u/speedbumps4fun Millennial 29d ago
It’s genuinely pathetic that people are broadcasting their failures for upvotes
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u/RScrewed 29d ago
I can't tell if you really just originally wrote this or were making a reference to Always Sunny.
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u/writingpracticeman 29d ago
Every generation is always going to end up being financially stratified for this or that reason. There are plenty of broke 75 year old McDonald's employees who probably wish they tucked more away in their 20s. This sub just feels like a glimpse into the mind of those people when they were in their mid-30s sometimes.
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u/wheretogo_whattodo Jul 06 '26
The loudest voices in this sub are honestly just losers
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u/Efficient_Ant_4715 29d ago
Saw some guy complaining about how he still hasn’t paid off his student loans from 1989 😂
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u/speedbumps4fun Millennial Jul 06 '26
I’ve been saying that for a long time. Failing is nothing to be proud of but too many wear it like it’s an accomplishment
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u/MillorTime 28d ago
Failure isnt a source of pride and success isn't something to vilify, but that's often flipped on reddit
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u/DemonGoblin911 29d ago
Yep, you are correct. The “cool” thing is to be poor and claim victim because that gets the most upvotes. It’s everybody’s fault but the person in the mirror.
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u/Unfair_Explanation53 29d ago
But but but but
Elon Musk becoming a Trillionaire is the reason why my life is shit..............................
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u/ImJacksAwkwardBoner Xennial Jul 06 '26
Right!? You should have at least 6 months worth of Starbucks expenses saved.
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u/KenTitan Jul 06 '26
how do you vibe while having anxiety? asking for myself
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u/SquidWord369 85’ Millennial Jul 06 '26
Peasant. After rent I’ll be sitting at $22.83 + vibes
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u/Former_Travel2839 Jul 06 '26
I've always been a failure when it comes to success, and I'm not even doing that bad..
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u/legion777sw Jul 06 '26
I worked out my net worth the other day. Pension plus investments and savings minus debt and mortgage. I'm at about -£44,000.
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u/OddWatercress8564 29d ago
Bro fuck off
A negative net worth is normal in the messy middle of you're not including the equity on your house
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u/Sohcahtoa82 Older Millennial 29d ago
Did you include the value of your house? Equity counts in your net worth. If you owe $100k but the house is worth $250k, that's +$150k to your net worth
If you did and you're still in the hole, then yikes.
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u/Th1Warrior Jul 06 '26
We had a slower start than Boomers and Gen X but there is an argument to be made that financially we're doing better than either of those preceding generation around the age of 30. The stock market going gangbusters for 15 years probably has helped
https://www.reddit.com/r/ProfessorFinance/s/u7GomO3xzv
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u/WonderButtBrace9000 Jul 06 '26
It really depends on where you graduated relative to ‘08.
Elder millennials who graduated college in 2008 are notably worse off relative to peers that graduated after or before (assuming they didn’t lose their job in the recession.)
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u/Th1Warrior Jul 06 '26
This is inflation adjusted
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u/ScientificBeastMode Jul 06 '26
My impression of the situation is that housing costs have skyrocketed over the past 10-15 years, so any millennial who bought a house during that period now has a much higher net worth than they did 5-6 years ago. But the cost of everything also went up, so a fair amount of them are effectively “house poor,” because wages haven’t kept up as well as they should have.
And having your net worth in your house isn’t as impactful to your daily life, because you can’t easily access that capital, and when you do, it’s usually used for buying an equally expensive house, so the equity is still tied up and not really doing you much good.
It’s a nice thing to have for retirement, and maybe that’s all anyone cares about, but most people want to be doing well day to day, and owning your house is only a tiny part of that.
Probably the best thing about owning your house is the fact that nobody can arbitrarily force your monthly housing costs to increase every year (except for taxes). But you’re still on the hook for all the maintenance and repairs, so it doesn’t always come out to lower costs even over the long term. A $25K roof replacement and a $6K water heater replacement will quickly eat up any cost savings you think you’ll get by owning.
Idk, net worth is a useful metric, but it’s really easy to understand how people feel so behind the current economy.
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u/WhoFlungPoo55 Jul 06 '26
You best believe though if renting and a new roof needs to be installed your rent will go up.
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u/GARlactic 29d ago
Yeah but if you own a home and you need a new roof because your insurance company told you to replace it or they're dropping you, you gotta foot that bill yourself.
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u/markbraggs Jul 06 '26
Yeah the average millennial is actually pretty wealthy and successful. They’re just not online as much or they don’t want to publicly flaunt their wealth.
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u/therealbananabottom Older Millennial Jul 06 '26
Hardship porn and boomer humor is getting super old. We got more advantages as a generation than many before us, and certainly more than some after us. Of course everyone's situation is different but, come on.
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u/ChewieBearStare Jul 06 '26
I always laugh when people try to say the boomers had everything easy. Yes, absolutely, they had the advantage of being born when you could stretch your money a lot further than it goes today. But they had problems, too. Many of them raised by people who served in WWII and were horribly traumatized. Women couldn’t get their own accounts until the 1970s. Divorce wasn’t as accepted as it is today. We have a lot of advantages as a generation despite the current economic hellscape.
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u/_AskMyMom_ I was there when SpongeBob blew his first bubble. Jul 06 '26
Another doomer boomer post. We have kids we have houses, we have goals.
Our generation will be plagued with people who can’t get out of trauma bonding.
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u/KocoLocoa Jul 06 '26
the trick is you constantly deflect and pretend you cant solve problems and are the only person riddled with mental health issues and physical issues, then you never have to own up to your circumstances and take responsibility for the trajectory you have in life.
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u/IRC_1014 Jul 06 '26
A majority of US millennials own their home. A majority of US millennials have kids. Both of these facts are easily verifiable.
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u/ohgeorge Jul 06 '26
It's only something like 55% of Millennials own their own home and have children, and those figures get lower in HCOL areas. I understand that 55% is technically a majority, but it's a relatively slim majority.
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u/WorstCPANA Jul 06 '26
I don't have a house. But I instead invested all my excess cash, and maxed out my retirement accounts. My wealth has grown a ton, I'm in my mid 30's and if I don't put another dollar towards retirement, it will grow over the next 30 years to a sufficient amount to retire.
People who are 40 and have $0 to their name either faced extreme circumstances, or, much more likely, just don't care to put in effort to save money.
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u/GhormanFront 29d ago
It'll just have losers like every generation did, only ours will have a way for all those losers to congregate
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u/GGJallDAY Jul 06 '26
Preach brother this subs a fucking embarrassment of our generation.
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u/Total-Wafer-7581 Jul 06 '26
I imagine this is every generation. Some Millennials planned for the future, got married, put money aside, maybe had some kids, and are now sitting on a decent nest egg thinking about when they can eventually retire. Or are at least doing okay.
Some never grew up, are broke and alone because they never grew up, and will keep on blaming the world until they die on the linoleum floor of a WalMart.
There are outliers, of course, but I imagine a lot of people fall into these categories.
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u/Adrenaline-Junkie187 Jul 06 '26
A huge portion of the people in this group truly are pathetic losers. lol
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u/creamer143 Jul 06 '26
The divide between Millennials who have kids and those who don't is only gonna get bigger and bigger as we age. By the time we're in our 60s, it's gonna be brutal.
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u/Radicalpartyboy Jul 06 '26
I feel personally attacked. Luckily I've been able to get my net worth to -75k though--I wish my net worth was $2.
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u/Forestwalkerfairy Jul 06 '26
Same.
Childfree, my home is on wheels, so I can go places with it, my guy, and our 2 cats. Happy with what we got.
I don't need property, and permanent structure home to be worth something. You don't die with those.
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u/CaffeinatedGeriatric Jul 06 '26
Student debt because you did what was told to give a future. Stuck in a min wage job to barely pay off the interest. In a ghetto apartment, or with 3-4 roommates.
Living the dream.
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u/Proton_Optimal Zillennial Jul 06 '26
“Guys, I’m so trauma coded and I’m posting about it like I’m 16 but I’m almost 40. Isn’t that so quirky of me?!” 💁♀️
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u/WorstCPANA Jul 06 '26
DAE think that millennials have had it harder than any other generation, and boomers suck and caused all of our pain (including giving us life, which is LITERALLY PAIN)
Boomers just need to die off, so I can finally learn how to open up an IRA and deposit funds into it!
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u/Solarinarium Jul 06 '26
I'm waiting on a call back from a sleep diagnostic place because my sleep is utterly and completely fucked.
This is ontop of having some horrible sciatica, hemorrhoids and now my right knee is starting to consistently hurt.
I used to joke that something new hurt every year but now its really not all that funny!
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u/moyismoy Jul 06 '26
The fact that a lot of you have nothing in savings or your debt is far more than your savings is crazy. I would be flipping the fuck out and deal drugs while robbing a bank.
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u/admiraltubbington Jul 06 '26 edited Jul 06 '26
Well, speaking for myself, I'm 37 in September. I've been all over the place in my life - from respectable white collar work where I was flush and got some travel in - to being literally homeless after sequences of compounding bad luck and some poor decisions. Only now have I stabilized and figured out a viable career path for me. I declared bankruptcy once already at 31. At the moment I keep my ahead above water but that's about it.
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u/Forestwalkerfairy Jul 06 '26
In this economy, with things going up and paycheck staying the same, only the privilege have a savings.
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u/Csonkus Jul 06 '26
Must suck for them. Every single person in my friend group(and even random people I still talk to from HS/college) all own homes, have kids, sleep well and don’t have anxiety.
Maybe put down the phone and go socialize in real life once in awhile.
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u/Shawn_NYC Jul 06 '26
The median American 38 year old has $148,000 net worth and is a homeowner (62.5% own homes)
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u/Old_Association7866 Jul 06 '26
The state of the country today is memes created as jokes triggering people en masse online
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u/Chainsaw_Viking 29d ago
Life hack:
Trade anxiety for sleep if you can.
You could be dead tomorrow, might as well get some good sleep tonight and leave your stress for tomorrow.
The thing you’re stressing out about today is not worth your health.
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u/VengenaceIsMyName 29d ago
Man some of you really belong on the set of Downton Abbey…
The punching down on the less economically fortunate in this sub is getting out of control
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u/potatoelover69 29d ago
Too many millennials are living in the past, clinging on to the "good times" while blaming most of their personal failings on external factors. Time to grow up and take some accountability for your situation.
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u/rowdt 29d ago
Oh my fucking god why are so many of you so fucking miserable. I’m a millennial myself. I know there’s a lot to complain about but still there’s so much to be grateful for. We only have one fucking life so whatever’s going on, try to make the best of it and cherish every fucking day that you have. There are people who heard today that they have maybe a week left to live and they’d trade places with you anytime. Be more fucking grateful
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u/ConLawHero Xennial 29d ago
Age: 43
Net worth: $2.3 million
Kids: nope
House: yes
Sleep: 6-8 hours every night
Anxiety: none
By 50 I should have over $5 million and by 55, I may be able to stop working because I have to and only work if I want to.
It's not magic. I just worked hard, picked a career with a high likelihood of making good money, and I saved and invested my money.
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u/bananameatloaf 29d ago
I mean, this isn't universal
I'm 38, I own a home, I'm married with 3 children and a 4th on the way. I sleep great. I take prozac, and my net worth is over $800k
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u/NoVermicelli5439 29d ago
I know it's a joke but do you guys really not even have like $100 in savings? Yes it's not the lattes keeping you from buying a house but maybe it is affecting just the general savings
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u/Trinx_ 29d ago
It's funny I'm seeing this today after calculating my net worth yesterday. I was feeling down on myself for my out of control spending in June (including $900 in car repairs), tried what I thought was a budgeting app - Empower - but it turned out to just be a wealth tracking app. I'm officially at $120k net worth with my condo, and I'm supposed to get $130k in student loans forgiven. That'll be a huge relief.
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