Understanding Wealth for Ages 45–54: Implications for Retirement Planning

Key Takeaways The median net worth of Americans 45–54 is $246,700, according to data from the Federal Reserve. Wealth gaps in this age group reflect salaries, inheritances, home equity, spending habits, and investment size. To grow wealth before retirement, focus on maximizing earnings, managing spending, and investing through tax-advantaged accounts. The Average Net Worth for Ages 45–54 and What It Reveals About Retirement Readiness Americans between 45 and 54 have a median net worth of $246,70 ...