\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

How much $ does the typical person have liquid?

Cash, brokerage account, whatever.
aromatic state
  05/24/26
2/3 of Americans live paycheck to paycheck so the median per...
salmon stag film
  05/24/26
Literally not a few bucks in his or her pocket?
aromatic state
  05/24/26
For every moment they have $40 cash on them, there's another...
salmon stag film
  05/24/26
Even Steven
racy hairy legs spot
  05/24/26
like $200-$500 not even joking
milky gas station
  05/24/26
You can't ask about the "typical person" in 2026. ...
Navy Internal Respiration
  05/24/26
yeah every Scumbag has a maxed out Credit One with late fees...
Autistic coiffed jap
  05/24/26
With VHCOL that’s like 6 months imo
Navy Internal Respiration
  05/24/26
i'm aware which is why I only buy stocks and indie games
Autistic coiffed jap
  05/24/26
Are you getting a 10th Gen Console
Navy Internal Respiration
  05/24/26
you mean other than my decisive Switch 2 victory? hell yeah ...
Autistic coiffed jap
  05/24/26
https://www.xoxohth.com/thread.php?thread_id=5868749&mc=...
Navy Internal Respiration
  05/24/26
median checking account balance is several thousand dollars ...
Buck-toothed lake trailer park striped hyena
  05/24/26
I wonder what percent have a million+ liquid. Is it even 1%...
aromatic state
  05/24/26
does liquid mean physical cash or depository account balance...
Buck-toothed lake trailer park striped hyena
  05/24/26
Physical cash, bank accounts, brokerage accounts, maybe Cryp...
aromatic state
  05/24/26
What about my wife's pussy? I can convert that to cash
Stirring church building ladyboy
  05/24/26
it's very liquid
razzmatazz magical twinkling uncleanness
  05/25/26
honestly i have like 1 bottle of juice and maybe some plant ...
Abnormal Pit Digit Ratio
  05/24/26
the concept of "liquid" is retarded. sure if ur mo...
titillating crackhouse toilet seat
  05/24/26
most people with stocks and bonds have them in roths and 401...
razzmatazz magical twinkling uncleanness
  05/25/26
Stocks and bonds are considered liquid assets
Razzle-dazzle domesticated theatre
  05/25/26
never heard this before, nigga
titillating crackhouse toilet seat
  05/25/26
You thought the term "liquid assets" referred only...
Razzle-dazzle domesticated theatre
  05/26/26
TT thinks "liquid assets" refer to JUICE
greedy supple school
  05/27/26
Does it count as "liquid" if it is in a 401k or ot...
galvanic twisted goyim preventive strike
  05/24/26
retirement is obviously not liquid wtf.
Autistic coiffed jap
  05/24/26
Stocks and bonds are liquid assets so effectively the liquid...
Razzle-dazzle domesticated theatre
  05/25/26
Maybe $800
racy hairy legs spot
  05/24/26
Absolutely disgusted by the definitions of "liquidity&q...
180 flatulent mental disorder set
  05/24/26
It would be interesting to know what the typical household s...
tan address
  05/25/26
probably like $2-3k at most.
Twinkling mad cow disease
  05/25/26
1st of the month, 5k 30th of the month, 1k
Big Potus
  05/25/26
few thousand, i reckon
soul-stirring rambunctious gunner center
  05/25/26
Probably a couple million if you count bonds
angry amber depressive volcanic crater
  05/25/26
series EE don't count.
Olive Haunted Graveyard
  05/26/26
I think this is flame, you should count them at a discounted...
angry amber depressive volcanic crater
  05/27/26
(guy who just admitted to owning EE 'grandma' bonds)
Olive Haunted Graveyard
  05/27/26
AI Overview According to the Federal Reserve’s Survey...
Outnumbered marvelous hell coffee pot
  05/27/26


Poast new message in this thread



Reply Favorite

Date: May 24th, 2026 2:19 PM
Author: aromatic state

Cash, brokerage account, whatever.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898475)



Reply Favorite

Date: May 24th, 2026 2:26 PM
Author: salmon stag film

2/3 of Americans live paycheck to paycheck so the median person probably has around $0 liquid.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898494)



Reply Favorite

Date: May 24th, 2026 2:30 PM
Author: aromatic state

Literally not a few bucks in his or her pocket?

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898496)



Reply Favorite

Date: May 24th, 2026 3:08 PM
Author: salmon stag film

For every moment they have $40 cash on them, there's another moment a different time in the month where they have <>nocash<> and are overdrawn by $40.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898563)



Reply Favorite

Date: May 24th, 2026 4:43 PM
Author: racy hairy legs spot

Even Steven

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898685)



Reply Favorite

Date: May 24th, 2026 2:31 PM
Author: milky gas station

like $200-$500

not even joking

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898497)



Reply Favorite

Date: May 24th, 2026 2:33 PM
Author: Navy Internal Respiration

You can't ask about the "typical person" in 2026. This isn't 1960. Be specific about which Caste you're talking about.

One single drop of Scum and they have nothing. it was already spent.

High Losers amass immense liquidity cushions because they know they're screwed/first to be laid off/most likely not getting tenure. A Loser who makes like 50k probably has 150k liquid in order to avoid Homelessness.

If Jocks/Preps ace OCI and get lifestyle creep then they might not be liquid even if their net worth dwarf yours (much like your height)

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898505)



Reply Favorite

Date: May 24th, 2026 4:07 PM
Author: Autistic coiffed jap

yeah every Scumbag has a maxed out Credit One with late fees and accrued interest along with a truck loan at 22% interest and $1000k monthly payment, probably a Personal Loan for no fathomable reason too.

I am at about 90,000K liquidity atm tyvm.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898624)



Reply Favorite

Date: May 24th, 2026 4:41 PM
Author: Navy Internal Respiration

With VHCOL that’s like 6 months imo

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898681)



Reply Favorite

Date: May 24th, 2026 5:24 PM
Author: Autistic coiffed jap

i'm aware which is why I only buy stocks and indie games

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898770)



Reply Favorite

Date: May 24th, 2026 5:28 PM
Author: Navy Internal Respiration

Are you getting a 10th Gen Console

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898774)



Reply Favorite

Date: May 24th, 2026 5:29 PM
Author: Autistic coiffed jap

you mean other than my decisive Switch 2 victory? hell yeah I am.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898777)



Reply Favorite

Date: May 24th, 2026 6:06 PM
Author: Navy Internal Respiration

https://www.xoxohth.com/thread.php?thread_id=5868749&mc=1&forum_id=2

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898827)



Reply Favorite

Date: May 24th, 2026 2:34 PM
Author: Buck-toothed lake trailer park striped hyena

median checking account balance is several thousand dollars and more than 90% of adults have a checking account

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898506)



Reply Favorite

Date: May 24th, 2026 3:22 PM
Author: aromatic state

I wonder what percent have a million+ liquid. Is it even 1%?

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898583)



Reply Favorite

Date: May 24th, 2026 3:42 PM
Author: Buck-toothed lake trailer park striped hyena

does liquid mean physical cash or depository account balance? i doubt 1% have $1 million measured that way

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898591)



Reply Favorite

Date: May 24th, 2026 3:44 PM
Author: aromatic state

Physical cash, bank accounts, brokerage accounts, maybe Crypto, maybe app shit like Venmo and CashApp. Basically money in a form that can be accessed within a few days.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898593)



Reply Favorite

Date: May 24th, 2026 5:29 PM
Author: Stirring church building ladyboy

What about my wife's pussy? I can convert that to cash

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898776)



Reply Favorite

Date: May 25th, 2026 8:16 AM
Author: razzmatazz magical twinkling uncleanness

it's very liquid

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899658)



Reply Favorite

Date: May 24th, 2026 3:37 PM
Author: Abnormal Pit Digit Ratio

honestly i have like 1 bottle of juice and maybe some plant based milk at any given time so definitely less than 100 fl oz or approximately $6 - 8 dollars worth

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898589)



Reply Favorite

Date: May 24th, 2026 3:47 PM
Author: titillating crackhouse toilet seat

the concept of "liquid" is retarded. sure if ur money is tied in a home thats one thing but if its stocks and bond etfs u can pull that shit out in 2-3 days

but most amerishits dont even have stocks and bonds so real answer is prob somewhere between $500-5000

when i did shitlol most of my clients were mega broke and they werent even bottom 25%, like these furks were totally living paycheck to paycheck and on CC's, 90% of amerikkkans are furking retarded, the rest are NOWAG NOWIG or KIKE

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898596)



Reply Favorite

Date: May 25th, 2026 8:16 AM
Author: razzmatazz magical twinkling uncleanness

most people with stocks and bonds have them in roths and 401s and can't pull them out without a big penalty.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899659)



Reply Favorite

Date: May 25th, 2026 8:21 AM
Author: Razzle-dazzle domesticated theatre

Stocks and bonds are considered liquid assets

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899662)



Reply Favorite

Date: May 25th, 2026 2:05 PM
Author: titillating crackhouse toilet seat

never heard this before, nigga

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49900073)



Reply Favorite

Date: May 26th, 2026 10:47 AM
Author: Razzle-dazzle domesticated theatre

You thought the term "liquid assets" referred only to cash or something?

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49901939)



Reply Favorite

Date: May 27th, 2026 10:14 AM
Author: greedy supple school

TT thinks "liquid assets" refer to JUICE

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49903745)



Reply Favorite

Date: May 24th, 2026 4:09 PM
Author: galvanic twisted goyim preventive strike

Does it count as "liquid" if it is in a 401k or other retirement account? If I am willing to pay the tax and penalty on my retirement accounts, I have around $2M liquid. If not, then I have like $20k liquid.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898626)



Reply Favorite

Date: May 24th, 2026 4:11 PM
Author: Autistic coiffed jap

retirement is obviously not liquid wtf.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898631)



Reply Favorite

Date: May 25th, 2026 8:23 AM
Author: Razzle-dazzle domesticated theatre

Stocks and bonds are liquid assets so effectively the liquid worth of a retirement account is the current market value minus the theoretical penalty if you were to sell early

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899664)



Reply Favorite

Date: May 24th, 2026 4:42 PM
Author: racy hairy legs spot

Maybe $800

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898684)



Reply Favorite

Date: May 24th, 2026 5:20 PM
Author: 180 flatulent mental disorder set

Absolutely disgusted by the definitions of "liquidity" ITT

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49898757)



Reply Favorite

Date: May 25th, 2026 6:19 AM
Author: tan address

It would be interesting to know what the typical household situation is of 40 year old with a college degree living in large metro area.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899624)



Reply Favorite

Date: May 25th, 2026 8:23 AM
Author: Twinkling mad cow disease

probably like $2-3k at most.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899665)



Reply Favorite

Date: May 25th, 2026 8:58 AM
Author: Big Potus

1st of the month, 5k

30th of the month, 1k

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899683)



Reply Favorite

Date: May 25th, 2026 9:16 AM
Author: soul-stirring rambunctious gunner center

few thousand, i reckon

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899696)



Reply Favorite

Date: May 25th, 2026 9:35 AM
Author: angry amber depressive volcanic crater

Probably a couple million if you count bonds

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49899717)



Reply Favorite

Date: May 26th, 2026 10:52 AM
Author: Olive Haunted Graveyard

series EE don't count.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49901954)



Reply Favorite

Date: May 27th, 2026 9:02 AM
Author: angry amber depressive volcanic crater

I think this is flame, you should count them at a discounted value

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49903688)



Reply Favorite

Date: May 27th, 2026 9:36 AM
Author: Olive Haunted Graveyard

(guy who just admitted to owning EE 'grandma' bonds)

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49903704)



Reply Favorite

Date: May 27th, 2026 10:37 AM
Author: Outnumbered marvelous hell coffee pot

AI Overview

According to the Federal Reserve’s Survey of Consumer Finances, the average checking/transaction account balance in the U.S. is $16,891. However, because massive balances skew averages upward, median balances give a better representation of what most Americans actually hold.

The median transaction account balance by age group is as follows:

Age Group Median Balance

Under 35 $5,400

35–44 $7,500

45–54 $8,700

55–64 $8,000

65–74 $13,400

75 and older $10,000

Note: These figures include both checking and savings balances used for day-to-day transactions and do not include long-term investments like 401(k)s or IRAs.

For a closer look at the data, see the full report on the Investopedia Average U.S. Bank Balance Analysis.

The breakdown of average versus median net worth across different age groups is as follows:

Age Bracket Average Net Worth Median Net Worth

Under 35 $183,500 $39,000

35–44 $549,600 $135,600

45–54 $975,800 $247,200

55–64 $1.57 million $364,500

65–74 $1.79 million $410,000

75 and older $1.62 million $334,700

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2most#49903765)