When planning for retirement, many Americans rely on their 401(k) savings as a key component of their financial strategy. However, recent data suggests that the median 401(k) balance is much lower than many people might expect. According to a report from Vanguard titled "How America Saves 2023," the average 401(k) balance varies significantly by age group.
According to Vanguard's data, here are the average and median balances:
Age Average Account Balance Median Account Balance
Under 25 $5,236 $1,948
25-34 $30,017 $11,357
35-44 $76,354 $28,318
45-54 $142,069 $48,301
55-64 $207,874 $71,168
65+ $232,710 $70,620
Why the gap between the average and median balances? It reflects the savings habits of high earners who might save closer to the $23,000 annual limit for 2024 as well as the very low or zero balances of other participants.
Both the average and median balances fall well short of a common $2 million retirement nest egg. Following the 4% withdrawal guidelines, a $2 million balance would mean someone could take out $80,000 per year without negatively impacting the principal. It's an amount that takes into consideration rising healthcare costs in retirement and staying close to a preretirement lifestyle.
The Sovereign Grant is the taxpayer-funded settlement given to the British royal family for official duties and is linked to the Crown Estate, calculated from profits made in the previous two years. Though the Sovereign Grant will stay the same next year and the royals will receive £86 million ($110,974,896) the sum jumps to £124.8 million ($160,483,440) in 2025 and to £124.8 million ($162,025,920) in 2026, The Guardian noted.
早晨看了篇文章，英国王室的公主王子们很多身价也不过几百万。就是英国国王也不过三千万。哈里王子身价是两千万而已。难道我们这些从中国赤贫出来的打工仔没有一千万身价就都是loser？
不做发财梦也好，可以躺平了
When planning for retirement, many Americans rely on their 401(k) savings as a key component of their financial strategy. However, recent data suggests that the median 401(k) balance is much lower than many people might expect. According to a report from Vanguard titled "How America Saves 2023," the average 401(k) balance varies significantly by age group.
According to Vanguard's data, here are the average and median balances:
Age Average Account Balance Median Account Balance
Under 25 $5,236 $1,948
25-34 $30,017 $11,357
35-44 $76,354 $28,318
45-54 $142,069 $48,301
55-64 $207,874 $71,168
65+ $232,710 $70,620
Why the gap between the average and median balances? It reflects the savings habits of high earners who might save closer to the $23,000 annual limit for 2024 as well as the very low or zero balances of other participants.
Both the average and median balances fall well short of a common $2 million retirement nest egg. Following the 4% withdrawal guidelines, a $2 million balance would mean someone could take out $80,000 per year without negatively impacting the principal. It's an amount that takes into consideration rising healthcare costs in retirement and staying close to a preretirement lifestyle.
不是个个。但老刘里不少。
所以我很好奇大家对上海的一千万房子流什么口水。
老人们在一起，不知道整天都聊啥
退休，疾病，养老院，拔管。。。
The Sovereign Grant is the taxpayer-funded settlement given to the British royal family for official duties and is linked to the Crown Estate, calculated from profits made in the previous two years. Though the Sovereign Grant will stay the same next year and the royals will receive £86 million ($110,974,896) the sum jumps to £124.8 million ($160,483,440) in 2025 and to £124.8 million ($162,025,920) in 2026, The Guardian noted.
不过具体操作还是要考虑清楚
给自己找点事做，也是自己enjoy的事。。
细节就不透露了。
但这里有些人贴出来的是可信的，像居士，连续十年，每月定投一万美金。有几个老中能做到？也就是家庭每月税后净收入至少接近2万，税前得40万以上。十年投下来达到1100万，每年的回报率也就是13.6% --- 刚查的chatgpt。多投几个股票，其实并不难。
难的是一般工薪家庭根本没有可能每月有2万美金现金收入。居士在加州的大厂干了那么多年，这就不仅可能也很可信。
你比方说夫妻都是青壮年普通教授，两人一年税前能拿到30万就相当不错了（在我们州一般基本无可能了，真拿到30万两人必须暑假工资都拿满或者做商业咨询），扣完税，如何可能还有能力每个月定投一万美金？有两个孩子又有房贷的话，每月定投5千都玄。
又有多少人能进大厂？
我们这儿有次级大厂的分部，十多年前，同样的位置，在硅谷的工资是我们这边的一倍。
多。查理斯每年有给他们津贴，现在哈利闹翻了可能没有。Prince of Wales是比较新封的，代表更大的收入。的确，他们比起世界上的新富差了很多，因此如何保持财富也是学问。光是他们每年的charity直接间接的giving就很可观。有兴趣应该读读书，许许多多的传记。
https://www.investopedia.com/prince-harry-meghan-markle-net-worth-7489521#:~:text=Key%20Takeaways,%24135%20million%2C%20according%20to%20Forbes.
原文英王资产估值四千万看来太低了。
原文哈里净值三千万，每根四千万，和investpedia 数据吻合。
William继承了价值上亿的庄园，资产最多。