## Archives

Student Loan Debt: Stats by Age, Income, and Percentile

In the 2019 Survey of Consumer Finances, the average household reported $8,665.03 in education debt. The median household reported$0 in student loans. Only 21.4% of households reported carrying any student debt at all. But – the SCF doesn't give us a full snapshot of the data. While very useful for seeing the household distribution […]

Mortgage Debt: Home Debt Stats by Income Bracket, Age, and Percentile

In 2019, the average American household held $75,968.96 in mortgage debt, home equity loans, and HELOCs with balances secured by their primary residence. The median household held$0 – although the homeownership rate is well over 60%. The average household also held $9,562.92 in debt secured by other residential property – think second and vacation […] Read More Average American Credit Card Debt by Generation, Income, and Percentile The average American household carried a$2,846.81 credit card balance in 2019. That debt was concentrated in only a few households, however – the median household carried no balance cycle to cycle, while the top 10% of households had $8,500 in credit card debt. 54.6% of households held no credit card debt balance from month to month. In this […] Read More The DQYDJ Weekender, 1/02/2021 Happy New Year! 🎉 And it feels particularly sweet to say that – though the beginning of 2021 looks a lot like the end of 2020. It's great to close the books on a devastating year, though; the world saw something like 84 million confirmed COVID cases and 1.8 million deaths. Among them – my grandmother. […] Read More 2020 Bitcoin Return Bitcoin returned 307.83% in 2020, not including any transaction fees. After midnight (in the morning) on January 1, 2020, bitcoin's first trade was at$7,205.55 a coin. And the closing trade on December 31, 2020, before midnight was for \$29,374.15 a coin. The 2020 Bitcoin Return: Speculation, and Greater Acceptance 307.8% is an eye popping […]

2020 S&P 500 Return

The S&P 500 Price index returned 15.76% in 2020. Using a better calculation including dividend reinvestment, the S&P 500 returned 17.88%. Maximizing 2020 S&P 500 Return: Buying, Holding... and Reinvesting The numbers I quote in the intro assume you did all of your investing in a single year. That is, you bought the absolute opening […]

2020 Dow Jones Industrial Average Return

The Dow Jones Industrial Average returned 6.87% in 2020. Using a better calculation, which includes dividend reinvestment, the Dow Jones returned 9.70%. 2020 Dow Jones Industrial Average Return: Reinvest Your Dividends I ran the above calculation for an index purchase at open on January 2nd, 2020 and sold at close on December 31, 2020. This […]

2020 NASDAQ Return

The NASDAQ returned 42.58% in 2020. Using a better calculation, which includes dividend reinvestment, the NASDAQ returned 42.99%. The 2020 NASDAQ Return: Even in Tech You Should Reinvest The above numbers assume you bought the NASDAQ index at the open on January 2nd, 2020 and sold at close on December 31, 2020. This is the […]

Salary Percentile by Age Calculator for the United States in 2020

On this page is a 2020 salary percentile by age calculator with estimates for the United States. Enter an age and pre-tax (gross) salary in full-year 2019 (Jan-Dec), and we'll compare to wage income earned by other people that age. Optionally you can plot the salary distribution curve for other ages using the pulldown menu. […]