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Average American Debt – Debt by Generation, Income, Type, and Aggregates

In 2019, the average American household carried $107,596.90 in debt. The median American household had $25,427.95 in debt, and the top 10% of households had $298,884.10 in debt. Not including real estate debt, the average and median American household carried $22,065.03 and $5,210.70 in debt, respectively. In this post, I'll break down American household debt averages and other statistics. We'll look […]

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How Many Faithless Electors Were There in 2020?

On November 3, 2020, former Vice President Joe Biden squared off against the 44th President, Donald Trump, in the 2020 elections. With some minor adjustment theoretically possible: Joe Biden won 81,268,867 votes (51.3%) to Donald Trump's 74,216,747 (46.8%). When all votes were counted, Joe Biden had secured the promise of a majority of electors: 306 […]

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401(k) Calculator – How Much Will You Have Invested?

On this page is a 401(k) calculator, also useful for modeling a 403(b). Enter details of your current balance, age, salary, and retirement plan plus your employer's details, and the tool will model (or graph) your future savings. 401(k) or 403(b) Planning Calculator Using the 401(k) Calculator A 401(k) plan (or a 403(b) plan for non-profits) is one of […]

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Employee Stock Purchase Plan Calculator – ESPP Tax and Return Estimates

On this page is an employee stock purchase plan or ESPP calculator. The tool will estimate how much tax you'll pay plus your total return on an ESPP investment under three scenarios: Holding Period not met, short term capital gains Holding Period not met, long term capital gains Holding period met Employee Stock Purchase Plan […]

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The DQYDJ Weekender, 11/1/2020

Happy November! Welcome back to the DQYDJ Weekender, the least scheduled and most random series on DQYDJ... and probably all the sites you regularly read. There's no substantive post today. I'll hold off on any new posts until after the US elections.  But I do have some updates for you all – I hope you […]

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Who Are the One Percent in the United States by Income and Net Worth?

Examination of the top one percent in America, both by income as well as by accumulated net worth.

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Net Worth by Year: Average, Median, Top 1%, and Comparison

On this page is the United States average household net worth by year. Included summary statistics are the average net worth by year, median net worth by year, and top 1% net worth by year. Data is from the Federal Reserve SCF, 1989 - 2019 (1989 - 2020 data). Don't close the window after the […]

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Correlation of Income and Net Worth in America

A lot of people write in with questions about the top one percent in net worth and income. Soon after, I often see a common question: how well does income predict net worth? In this post, I'll help clear it up and take a look at the correlation of net worth and income. My math uses […]

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American Retirement Savings by Age: Averages, Medians and Percentiles

Below are estimated United States retirement savings statistics by age for 2020, from surveys conducted between February 2019 and early 2020. You'll find the average retirement savings by age, along with median, and top 1% of savings. For a fuller accounting of net worth as opposed to only savings for retirement, see our net worth […]

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Average, Median, Top 1%, and all United States Retirement Savings Percentiles

On this page are estimated United States retirement savings. It contains the most recent data through 2021. Statistics are for households headed by adults aged 32-61 at the time of the survey (between February 2019 and early 2020). You'll see average retirement savings, median retirement savings, top 1% retirement savings, and a retirement savings percentile […]

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