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Median 401k average by age

Under 25 - $2,800 25 to 34 - $15,000 35 to 44 - $36,000 4...
thriller tan mad-dog skullcap
  05/13/25
how do people afford to live in this country? the math reall...
Lemon sickened ceo parlor
  05/13/25
the math ain't mathing frfr
green frozen cuckoldry
  05/13/25
when gen x and beyond really start retiring en masse, there ...
Topaz casino milk
  05/13/25
Most people have all cash bu$ine$$e$ and make bank while dum...
shaky gas station corn cake
  05/13/25
Ouch
maroon bateful philosopher-king
  05/13/25
https://xoxohth.com/thread.php?thread_id=5724466&mc=1&am...
slate hell
  05/13/25
...
Canary Wonderful Cruise Ship Antidepressant Drug
  05/14/25
These sites massively overestimate the cost of "retirem...
citrine soggy nursing home hunting ground
  05/13/25
that might be true, but it makes sense that "they"...
green frozen cuckoldry
  05/14/25
it depends largely on whether or not you own a house my d...
crimson floppy range
  05/14/25
Every prole I know regards SS as a retirement account. It&rs...
Mind-boggling plaza
  05/14/25
and cost of living isnt changing as a result of manic QE dur...
Flatulent greedy whorehouse
  05/14/25
Cr. I know people that have very little cash and just use so...
Big internet-worthy love of her life
  05/14/25
The other thing I am always suspicious of with these statist...
aphrodisiac main people roommate
  05/20/25
I feel like most people I interact with have vast amounts of...
razzle black brunch sneaky criminal
  05/20/25
thats cuz u gay
crimson floppy range
  05/20/25
401k = fraud
wine mediation
  05/13/25
wowza
bronze disturbing turdskin
  05/13/25
I’m mid-40s and I don’t even have a 401(k)
Bat Shit Crazy Gunner
  05/13/25
Do you have 1,000,000k in Schwab or something
Laughsome principal's office queen of the night
  05/13/25
He has millions and millions and pretends to be poor as a sc...
spectacular brass resort
  05/13/25
Jfc why are people so poor.
lilac provocative famous landscape painting twinkling uncleanness
  05/13/25
Maybe don’t elect politicians bought by billioniares?
maroon bateful philosopher-king
  05/14/25
Jobs pay shit
Anal harsh base
  05/14/25
This stuff should be funded automatically and irrevocably an...
Laughsome principal's office queen of the night
  05/13/25
Is this a flame stat? Most people are going to roll their 40...
crawly masturbator hairy legs
  05/14/25
Yeah, I have only about $150k in my current 401k, but I swit...
metal office mood
  05/14/25
Lmao. Yeah the average Walmart worker has $450k in his old e...
Avocado Aromatic Theatre Coffee Pot
  05/14/25
You sound shit with money, if you make even just $200K you s...
crawly masturbator hairy legs
  05/14/25
I have kids
Avocado Aromatic Theatre Coffee Pot
  05/14/25
? Even if you have "kids" you are still eligible t...
crawly masturbator hairy legs
  05/20/25
Cr
aphrodisiac main people roommate
  05/20/25
Even if that were the case, it probably wouldn't affect the ...
Laughsome principal's office queen of the night
  05/14/25
Sure it would, because they're looking at the median account...
crawly masturbator hairy legs
  05/14/25
That wouldn't matter in the real data set imo. also it's eas...
Laughsome principal's office queen of the night
  05/14/25
yeah, every account he listed is over every single one of th...
Deranged university
  05/20/25
Here’s the report. I doubt what you’re saying ha...
cracking macaca
  05/14/25
What does this mean for Liberals like us?
Laughsome principal's office queen of the night
  05/14/25
...
Mind-boggling plaza
  05/14/25
...
crimson floppy range
  05/14/25
...
Laughsome principal's office queen of the night
  05/14/25
...
Canary Wonderful Cruise Ship Antidepressant Drug
  05/14/25
...
Laughsome principal's office queen of the night
  05/14/25
even though the counterarguments ITT suck, I still believe t...
Deranged university
  05/20/25
Most people contribute just enough to get the match if at al...
Laughsome principal's office queen of the night
  05/20/25
100% true and accurate post. If only you knew how bad th...
ultramarine psychic stag film
  05/20/25
he does know obviously, as do I. IDK why people are pretendi...
Mind-boggling plaza
  05/20/25
I have no idea if they are counting people with no 401k in t...
Adventurous bat-shit-crazy station
  05/20/25
The numbers are usually e.g. from fidelity you idiot. It&rsq...
Laughsome principal's office queen of the night
  05/20/25


Poast new message in this thread



Reply Favorite

Date: May 13th, 2025 10:49 PM
Author: thriller tan mad-dog skullcap

Under 25 - $2,800

25 to 34 - $15,000

35 to 44 - $36,000

45 to 54 - $61,000

55 to 64 - $87,000

Over 65 - $88,000

Per Vanguard's 2024 report

https://x.com/grok/status/1922262989551632557

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928613)



Reply Favorite

Date: May 13th, 2025 10:51 PM
Author: Lemon sickened ceo parlor

how do people afford to live in this country? the math really doesn't work out.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928618)



Reply Favorite

Date: May 13th, 2025 10:52 PM
Author: green frozen cuckoldry

the math ain't mathing frfr

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928627)



Reply Favorite

Date: May 13th, 2025 11:24 PM
Author: Topaz casino milk

when gen x and beyond really start retiring en masse, there is going to be a legitimate crisis. assuming the world hasn’t already been upended by ai.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928760)



Reply Favorite

Date: May 13th, 2025 11:25 PM
Author: shaky gas station corn cake

Most people have all cash bu$ine$$e$ and make bank while dumb lawyers pay 45% of their income in taxes and hand the rest over to their shrew wives

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928766)



Reply Favorite

Date: May 13th, 2025 11:41 PM
Author: maroon bateful philosopher-king

Ouch

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928828)



Reply Favorite

Date: May 13th, 2025 11:25 PM
Author: slate hell

https://xoxohth.com/thread.php?thread_id=5724466&mc=1&forum_id=2

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928768)



Reply Favorite

Date: May 14th, 2025 4:17 PM
Author: Canary Wonderful Cruise Ship Antidepressant Drug



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48930819)



Reply Favorite

Date: May 13th, 2025 11:29 PM
Author: citrine soggy nursing home hunting ground

These sites massively overestimate the cost of "retirement" - most older people

1. Have paid off or at least low mortgage homes

2. Get social security

3. Continue to work and have some income

4. Don't have dependents and have pretty low expenses

The idea that you need to have enough 401k to be able to match your current $300k salary for 30 years doing no work is just 401k propaganda.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928789)



Reply Favorite

Date: May 14th, 2025 8:50 AM
Author: green frozen cuckoldry

that might be true, but it makes sense that "they" would overstate what you need in retirement. but that is irrelevant to the OP. if someone is 50 years old and has $88k or whatever saved for retirement, they are in a very bad situation.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929307)



Reply Favorite

Date: May 14th, 2025 8:53 AM
Author: crimson floppy range

it depends largely on whether or not you own a house

my dad is worth negative dollars but the house is paid off and he basically has no expenses beyond food and medicine so he can completely live off social security

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929316)



Reply Favorite

Date: May 14th, 2025 9:05 AM
Author: Mind-boggling plaza

Every prole I know regards SS as a retirement account. It’s ignominious but they have low standards and don’t care.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929341)



Reply Favorite

Date: May 14th, 2025 10:57 AM
Author: Flatulent greedy whorehouse

and cost of living isnt changing as a result of manic QE during covid (a trend initiated in 2008) right?

groceries will still cost $100/wk in 20 years?

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929646)



Reply Favorite

Date: May 14th, 2025 10:18 AM
Author: Big internet-worthy love of her life

Cr. I know people that have very little cash and just use social security and reverse mortgage their house. You don't need to leave anything to your kids lmao

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929528)



Reply Favorite

Date: May 20th, 2025 7:39 AM
Author: aphrodisiac main people roommate

The other thing I am always suspicious of with these statistics is that I suspect they don’t aggregate multiple accounts. The average office worker today has a 401k plus three different rollover Ira’s from prior jerbs often held by different custodians.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946574)



Reply Favorite

Date: May 20th, 2025 8:20 AM
Author: razzle black brunch sneaky criminal

I feel like most people I interact with have vast amounts of generational wealth and then the rest just Yolo credit card it. Few people I know are like me and work for every penny they have and I feel stupid for choosing this route a lot of times.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946614)



Reply Favorite

Date: May 20th, 2025 8:52 AM
Author: crimson floppy range

thats cuz u gay

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946650)



Reply Favorite

Date: May 13th, 2025 10:51 PM
Author: wine mediation

401k = fraud

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928620)



Reply Favorite

Date: May 13th, 2025 11:20 PM
Author: bronze disturbing turdskin

wowza

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928726)



Reply Favorite

Date: May 13th, 2025 11:30 PM
Author: Bat Shit Crazy Gunner

I’m mid-40s and I don’t even have a 401(k)

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928792)



Reply Favorite

Date: May 13th, 2025 11:50 PM
Author: Laughsome principal's office queen of the night

Do you have 1,000,000k in Schwab or something

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928841)



Reply Favorite

Date: May 13th, 2025 11:54 PM
Author: spectacular brass resort

He has millions and millions and pretends to be poor as a schtick

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928843)



Reply Favorite

Date: May 13th, 2025 11:32 PM
Author: lilac provocative famous landscape painting twinkling uncleanness

Jfc why are people so poor.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928804)



Reply Favorite

Date: May 14th, 2025 10:16 AM
Author: maroon bateful philosopher-king

Maybe don’t elect politicians bought by billioniares?

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929524)



Reply Favorite

Date: May 14th, 2025 4:55 PM
Author: Anal harsh base

Jobs pay shit

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48930956)



Reply Favorite

Date: May 13th, 2025 11:45 PM
Author: Laughsome principal's office queen of the night

This stuff should be funded automatically and irrevocably and at the lower of like 17% of salary or 30k/yr. This way there’d be fewer destitute property support and Houses/Cars/mcdonalds wouldn’t be so inflated. Fuck “freedom.” Proles need to be RULED.



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48928835)



Reply Favorite

Date: May 14th, 2025 9:11 AM
Author: crawly masturbator hairy legs

Is this a flame stat? Most people are going to roll their 401k into IRA's when they change jobs, so their 401k balance could be low even if they're millionaires. Or even if they just leave their old 401(k) in their old plan, instead of one person with 500,000 they may show up as a 300K and a 200K. We've done the scholarship on XO and everybody is a millionaire, so their net worth must be in something else.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929355)



Reply Favorite

Date: May 14th, 2025 9:46 AM
Author: metal office mood

Yeah, I have only about $150k in my current 401k, but I switched jobs about five years ago. But I have $450k in a former employer's 401k. (This employer pays some of my health care expenses in retirement, but I lose that benefit if I roll over my 401k. It doesn't make sense to me, either, but I didn't roll it over for that reason.) I also have about $400k in Roth IRA's (some of which is money I rolled over from 401k's when I was younger). My wife also has about $200k in Roth IRA's and another $100k in her 401k. So if you only look at one of our accounts in a vacuum, it looks like we are fucked, but if you combine all of our accounts, we are in pretty solid shape.

TLDR: Median retirement balances are meaningless because most people have multiple accounts.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929470)



Reply Favorite

Date: May 14th, 2025 10:19 AM
Author: Avocado Aromatic Theatre Coffee Pot

Lmao. Yeah the average Walmart worker has $450k in his old employers 401k. I make $200k a year which is shit yet there are plenty of people who make $80k. Even I have periods where I bought a house, etc where I lowered my 401k contribution to zero just to have the cash on hand. Lmao at a $80k employee having more in his 401k than $150k or so.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929531)



Reply Favorite

Date: May 14th, 2025 10:34 AM
Author: crawly masturbator hairy legs

You sound shit with money, if you make even just $200K you should at least be maxing 401(k), IRA, HSA, and iBonds every year.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929565)



Reply Favorite

Date: May 14th, 2025 10:49 AM
Author: Avocado Aromatic Theatre Coffee Pot

I have kids

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929611)



Reply Favorite

Date: May 20th, 2025 2:05 AM
Author: crawly masturbator hairy legs

? Even if you have "kids" you are still eligible to contribute to the aforementioned accounts, friend!

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946382)



Reply Favorite

Date: May 20th, 2025 7:41 AM
Author: aphrodisiac main people roommate

Cr

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946577)



Reply Favorite

Date: May 14th, 2025 10:25 AM
Author: Laughsome principal's office queen of the night

Even if that were the case, it probably wouldn't affect the MEDIAN much imho.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929543)



Reply Favorite

Date: May 14th, 2025 10:34 AM
Author: crawly masturbator hairy legs

Sure it would, because they're looking at the median account, not how much the median account holder actually has. To do a super simplified example, if everybody has $300K in their 401(k), then the median is $300K. But if everybody has three 401(k)'s of $100K each, the median is $100K despite them all having $300K.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929564)



Reply Favorite

Date: May 14th, 2025 10:38 AM
Author: Laughsome principal's office queen of the night

That wouldn't matter in the real data set imo. also it's easy to transfer 401ks.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929577)



Reply Favorite

Date: May 20th, 2025 2:53 AM
Author: Deranged university

yeah, every account he listed is over every single one of those medians above. so actually he and his wife helped boost the median like 6 times instead of 2 per his own analysis.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946402)



Reply Favorite

Date: May 14th, 2025 11:31 AM
Author: cracking macaca

Here’s the report. I doubt what you’re saying has any impact. You can see in the data that the median length of time of participation is very short, the income subject to contribution (70k) not very high, and the amount that’s contributed each year is paltry (about a few thousand). Most people don’t start in a 401k job until they're practically mid-career and then they (and their employer) contribute next to nothing.

https://corporate.vanguard.com/content/dam/corp/research/pdf/how_america_saves_report_2024.pdf

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929780)



Reply Favorite

Date: May 14th, 2025 12:22 PM
Author: Laughsome principal's office queen of the night

What does this mean for Liberals like us?

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929937)



Reply Favorite

Date: May 14th, 2025 12:33 PM
Author: Mind-boggling plaza



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48929971)



Reply Favorite

Date: May 14th, 2025 12:41 PM
Author: crimson floppy range



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48930019)



Reply Favorite

Date: May 14th, 2025 1:11 PM
Author: Laughsome principal's office queen of the night



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48930135)



Reply Favorite

Date: May 14th, 2025 4:16 PM
Author: Canary Wonderful Cruise Ship Antidepressant Drug



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48930817)



Reply Favorite

Date: May 14th, 2025 4:32 PM
Author: Laughsome principal's office queen of the night



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48930875)



Reply Favorite

Date: May 20th, 2025 2:54 AM
Author: Deranged university

even though the counterarguments ITT suck, I still believe those numbers are flame. anyone who has had even a remotely white collar job or proles who have blue collar jobs who work for big companies (e.g., Amazon warehouse drone) will have stocks away enough + have compounding returns over the years to be above the medians listed.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946403)



Reply Favorite

Date: May 20th, 2025 7:28 AM
Author: Laughsome principal's office queen of the night

Most people contribute just enough to get the match if at all. And they’ll think they are shrewd and brag about it on reddit. Very few contribute anything between the contribution % required to get the match and the max of $23,000k/yr or whatever. The latter is OCI aces, shrewd Losers, and olds trying to play catchup.

Also once poors figure out that 401k loans exist or that they can withdraw the money and pay a penalty, it’s over.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946567)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: ultramarine psychic stag film

100% true and accurate post.

If only you knew how bad things really are.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946659)



Reply Favorite

Date: May 20th, 2025 9:21 AM
Author: Mind-boggling plaza

he does know obviously, as do I. IDK why people are pretending that there's some turnaround in the future of the US, it's utterly over.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946684)



Reply Favorite

Date: May 20th, 2025 7:50 AM
Author: Adventurous bat-shit-crazy station

I have no idea if they are counting people with no 401k in the average or by '401k' they mean literal 401k's and not other investment accounts (my literal 401k is only like $130k now because I rolled all my previous 401k's into IRA's.) so who the fuck even knows. But if they are counting no 401k mo's then that will drop the average pretty hard since rich people still have contribution limits.

(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946588)



Reply Favorite

Date: May 20th, 2025 7:54 AM
Author: Laughsome principal's office queen of the night

The numbers are usually e.g. from fidelity you idiot. It’s like Bank of America telling you the average account balance.



(http://www.autoadmit.com/thread.php?thread_id=5724688&forum_id=2E#48946596)