Net Worth by Age: What's Left When You Take the House Out

📌 Get “The Exit Code” Report : https://lazy.better-investor.co/hello... The median family headed by someone 55 to 64 is worth $411,900, according to the Federal Reserve's 2025 Survey of Consumer Finances, published October 9, 2026. But the median homeowner is worth $458,900, the median renter $10,600, and the typical owner's home equity is $230,000. For a lot of families, roughly half of the number on the Fed's table is the house they live in. In this video we open the balance sheet at every age, from under 35 to 75 and older, and pick the one measure that matters at each stage: savings velocity, the liquid ratio, the productive share, net worth without the house counted in years of spending, and what every dollar (including the ones in the walls) is actually doing after 65. Chapters 0:00 $411,900 and the line hiding inside it 2:44 Under 35: the money you keep 4:39 35 to 44: the down payment moves into the walls 8:05 45 to 54: the crossover, and why the house doesn't count 11:09 55 to 64: two 58-year-olds and the number without the house 14:30 65 and older: the net worth that keeps climbing 16:03 One measure per age, and a quick test Sources (checked October 30, 2026) Federal Reserve, Changes in U.S. Family Finances from 2022 to 2025 (Survey of Consumer Finances, released Oct 9, 2026): median net worth by age, homeowners vs renters, median home equity, retirement and transaction account balances, families with debt payments above 40% of income Freddie Mac PMMS, Oct 29, 2026: 30-year fixed average 7.24% National Association of Realtors, existing-home sales, September 2026: median price $417,500 FRED (St. Louis Fed), 3-month Treasury bill, Oct 28, 2026: 4.01% IRS, 2026 401(k) limits: $24,500, catch-up $8,000, ages 60 to 63 $11,250 Fidelity retirement savings guidelines (1x salary by 30, 2x by 35, 4x by 45) The household examples use realistic 2026 figures to show the mechanics; they are not personal financial, tax or mortgage advice. Your numbers, your market and your plan decide the answer. I'm Tom from Lazy Investor. If these breakdowns help, subscribing is the best way to see the next one.