6 Signs You're Already in the Top 10% of Retirees

Are you in the top 10% of retirees? By net worth alone, that bar starts around $3 million — and most people never get near it. But money is only one way to measure a retirement. In this video, we walk through 6 signs of a retirement that holds up, from the most common to the rarest, using the newest data from the Federal Reserve, the Social Security Administration, the Census Bureau and Fidelity. Count yours as you watch. The last three are things only about 1 in 10 retirees can say — or fewer. You'll learn: What the Fed's brand-new 2025 Survey of Consumer Finances says about typical retiree net worth Why a paid-off house can do the job of a very large nest egg How few retirees have a real plan for long-term care The Social Security rule that turns waiting until 70 into protection for your spouse How rare a $1 million 401(k) really is — and why it may matter less than you think SOURCES Federal Reserve — Changes in U.S. Family Finances from 2022 to 2025 (Survey of Consumer Finances, Oct. 2026): https://www.federalreserve.gov/public... Federal Reserve — 2025 SCF press release: https://www.federalreserve.gov/newsev... Net worth percentiles by age, ages 65–74 (2022 SCF data): https://www.benzinga.com/25/05/456602... Federal Reserve — Survey of Household Economics and Decisionmaking (SHED): https://www.federalreserve.gov/shed Emergency savings, ages 60+ (SHED via FRED): https://fred.stlouisfed.org/series/EM... Mortgage-free homeowners by age (Census ACS 2024, NAHB analysis): https://eyeonhousing.org/2026/09/sing... EBRI — Debt held by older American families: https://www.ebri.org/content/comparin... Long-term care need estimate (HHS, via NAIC): https://content.naic.org/article/indu... Milliman — Annual U.S. Industry LTCI Claims Projection 2025: https://jp.milliman.com/insight/annua... Social Security — Delayed retirement credits: https://www.ssa.gov/benefits/retireme... Social Security — Survivor benefits: https://www.ssa.gov/survivor Social Security claiming ages, 2024 (SSA data): https://www.fool.com/retirement/2025/... Fidelity — Q2 2026 Retirement Analysis: https://about.fidelity.com/data-and-i... 401(k) millionaires, Q2 2026 (Fidelity data): https://money.com/401k-millionaires-f... DISCLAIMER This video is for general educational purposes only and is not financial, tax, legal or investment advice. The Wise Future is not a licensed financial advisor. Everyone's situation is different, so please talk with a licensed professional before making financial decisions. Glenn, Joyce and the other people in this video are hypothetical examples; their numbers are illustrative and based on the public data cited above. Figures reflect the most recent data available at the time of production and may change. #retirement #socialsecurity #retirementplanning