Of Dollars And Data
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How Many Americans Are Millionaires?
If it feels like there are more millionaires in the U.S. than ever before, you're right. According to the 2025 Survey of Consumer Finances , there are about 29 million U.S. households with a net worth (all assets minus all liabilities) exceeding $1 million. This represents roughly 22% of all U.S…
Can You Count on Social Security in Retirement?
A few weeks ago, this tweet set off a firestorm on Twitter/X: JUST IN: 🇺🇸 US boomers overwhelmingly support higher taxes on younger workers to maintain current Social Security benefits, poll shows. After the usual boomer bashing, the conversation quickly turned to a question I often get from…
What is the Average Net Worth by Age? [2025 Latest Data]
Do you want to know how you are doing relative to your peers financially? Then this is the article for you. The Federal Reserve recently released its 2025 Survey of Consumer Finances , the gold standard of wealth data for American households. I've decided to take this data and calculate the average…
Who Got Richer Since 2022?
Last Friday, the Federal Reserve released the results of its 2025 Survey of Consumer Finances (SCF) , which takes a detailed snapshot of American households' finances every three years. And the big takeaway from this year's release is clear—older Americans got richer while younger Americans got…
Who Is Really Rich in America? (Hint: Main Street Millionaires)
If you want to understand the wealth of the typical American household, the resources are excellent. Not only are there free public data sources, but there are also many great books that detail how people live across The Wealth Ladder . For example: For Level 1 (<$10k) there's Dignity by Chris…
Is Startup Equity a Bad Deal?
Imagine joining a startup as employee number 10. Your salary is a bit below what the market pays for your role, but, in exchange, you get equity. How much? 0.25% of the company to be exact. You do the math in your head—if the company sells for $100M in a few years, you'll make $250,000. Not bad…
What Was the Best Portfolio Over the Last 50 Years?
A few months ago, I analyzed U.S. stock returns over the last century . Today, I'm going to determine the best portfolio over the last 50 years among the following asset classes: U.S. Stocks International Stocks Real Estate Investment Trusts (REITs) U.S. Corporate Bonds 10-Year Treasury Notes…
Living Poor to Die Rich
I recently joined a professional organization to discuss various topics in wealth management. On our first Zoom call there was a debate around the use of levered long/short strategies. For the uninitiated, a levered long/short strategy is a way of taking market risk (like buying an index fund)…
Which Graduate Degrees Are the Best Investment? (Why I Skipped My MBA)
When I was 27 years old I was at a crossroads. I was five years into my career, yet I was stagnating. Though I was making six figures, which was great for my 20s, I knew I couldn't make much more at my job. Without an advanced degree, my future compensation would be an endless chain of 3% annual…
Why I Was Wrong to Be Bearish on U.S. Stocks
A year ago I wrote the blog post Why I'm Bearish on U.S. Stocks (for the Second Time Since 2017) . Since then U.S. stocks are up 16% (total return) and my bearish prediction turned out to be misguided. So where did I go wrong? And how can you prevent yourself from making the same kind of error in…
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