How Do You Measure?


Been asked many a times by folks as to how they stack up against the rest of their peers who are part of our wider client base so here we are. But before that, a perspective on how our fellow Americans are doing in terms of their retirement readiness compared to the relatively small and biased sample we have data on.


As you will see later, most of you are doing way better in comparison to a typical American family but that’s little solace if you intend to maintain the same quality of life in retirement that you are accustomed to during your working years. Median by the way means the exact midpoint – 50% of the households are above this net worth number and the remaining 50% are below.

And this is where you stand in relation to your peers, sorted in descending order of each family’s net worth. This is a decent size sample with a spectrum of folks working at various levels in the many tech companies in the Bay Area with a sprinkle of them in Austin, Seattle and Atlanta.


Net worth in and of by itself is meaningless if not looked at from the perspective of time. A family with a $2 million portfolio nearing retirement is not necessarily any better off than a young family in their early 30’s with $100,000 in savings earmarked for retirement and decades left to save and invest.

And hence the plot below normalized by age…that is by dividing each net worth number by the blended age of the couple.


So if you want to assess where you stand normalized by age, divide your net worth ex-equity in your home by your age and compare that with the rest of your peers.

Until later…

Image credit – Donna Block, Flickr