Average Net Worth by Age 55, 60, 65 (Where Do You Stand?)

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The average net worth for Americans between 55 and 64 is $1.56 million — the median is $364,000, and those two numbers are almost four and a half times apart because a small group of ultra-wealthy households distorts the mean into something useless as a personal benchmark. This video breaks down what the Federal Reserve data actually shows by age group, why a significant portion of that median number is home equity rather than investable assets, and why Social Security changes the math so dramatically that the portfolio doesn’t have to carry the full weight of retirement income. What matters more than the number is whether it’s arranged to pay you — a balance sheet and a retirement plan are two different things.