cover of episode What Your Net Worth SHOULD Be by Age 50

What Your Net Worth SHOULD Be by Age 50

2024/5/27
logo of podcast George Kamel

George Kamel

AI Deep Dive AI Chapters Transcript
People
G
George Kamel
从负净值到百万富翁的个人财务专家,通过播客和书籍帮助人们管理财务。
Topics
根据联邦储备委员会的数据,45至54岁人群的个人净资产中位数约为24万美元,但这并不理想。作者认为,50岁时应有的净资产取决于多种因素,包括早期的投资、理财习惯以及是否有负债。作者通过一个理想化的案例分析,展示了50岁时可能达到的高净资产(140万美元),这依赖于早期的投资和无负债状态。该案例假设从22岁开始投资,并持续获得加薪,最终在退休账户中积累了超过86.5万美元的资产。作者还创建了一个名为KFSS的评分系统来评估50岁人群的财务状况,将净资产划分为F、D、C、B、A五个等级,并说明了每个等级对应的净资产范围。对于净资产较低且有债务的人群,作者建议优先偿还债务,然后建立应急基金,再开始投资。作者强调,即使在50岁,仍然可以通过正确的理财方式提高净资产,但不要拖延。作者还指出,50岁时,大部分净资产应该来自退休账户的复利增长。

Deep Dive

Chapters

Shownotes Transcript

💵 Create a free budget. Sign up for EveryDollar today!

About This Episode: 

Ever wonder where you stand financially for your age? In today's video, I'm digging into what your net worth should be by the time you reach the big 5-0 and sharing some tips for getting your finances back on the right track. 

**Next Steps: ** 

 

Offers From Today's Sponsors: 

  • This episode is sponsored by DeleteMe. 🔒 Remove your personal information from the web at https://www.joindeleteme.com/george) and use code GEORGE for 20% off. 🙌 

  • This episode is also sponsored by Laurel Road. 💸 Open a high-yield savings account and make your savings work harder for you. Check it out here:  https://www.laurelroad.com/george). 🤑

 

Listen to More From Ramsey Network 

🎙 The Ramsey Show)*** *** 

🍸 Smart Money Happy Hour)  

💡 The Rachel Cruze Show)  

💸 *The Ramsey Show *Highlights)  

**🧠 **The Dr. John Delony Show)  

💼 The Ken Coleman Show)  

📈 The EntreLeadership Podcast)* *   

Ramsey Solutions Privacy Policy