Anonymous
05/14/2026 17:04
Subject: 39 and 365k net worth
If a Democrat wins next POTUS election and Dems take Congress i would assume 1-2% growth at best.
Anonymous
05/14/2026 17:03
Subject: 39 and 365k net worth
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:1.make more money
2.spend less money
It’s that easy. And yes you’re behind
They’re not very behind if that’s 365k invested. By 65, that’s over $2M in current dollars at 7% returns without any more contributions. This is well above the median of retirees.
7% real returns over the next two decades starting from today is very unrealistic. We're at a peak right now.
+1
Just spoke with a fairly highly regarded financial planner the other day and he is using 2% real for future returns. I have a global stock portfolio and use 4% real.
I would fire your FP immediately
Anonymous
05/14/2026 17:02
Subject: 39 and 365k net worth
Only Fans
Anonymous
05/14/2026 16:57
Subject: 39 and 365k net worth
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:1.make more money
2.spend less money
It’s that easy. And yes you’re behind
They’re not very behind if that’s 365k invested. By 65, that’s over $2M in current dollars at 7% returns without any more contributions. This is well above the median of retirees.
7% real returns over the next two decades starting from today is very unrealistic. We're at a peak right now.
+1
Just spoke with a fairly highly regarded financial planner the other day and he is using 2% real for future returns. I have a global stock portfolio and use 4% real.
Dave Ramsey says 12% returns. So suck on that.
*drops mic*
Dave Ramsey also tells people to pay off low interest mortgages. So…
Anonymous
05/14/2026 16:02
Subject: 39 and 365k net worth
Spend less, save more and invest.
Anonymous
05/14/2026 15:58
Subject: 39 and 365k net worth
Its not horrible. Start saving the max in your retirement accounts and youll get there soon enough.
I am 42 and have 1 million in investments and feel rich. Its more than i realistically need at this age. You'll be fine.
I am 42 and have 1 million in investments and feel rich. Its more than i realistically need at this age. You'll be fine.
Anonymous
05/14/2026 15:55
Subject: 39 and 365k net worth
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:1.make more money
2.spend less money
It’s that easy. And yes you’re behind
They’re not very behind if that’s 365k invested. By 65, that’s over $2M in current dollars at 7% returns without any more contributions. This is well above the median of retirees.
7% real returns over the next two decades starting from today is very unrealistic. We're at a peak right now.
+1
Just spoke with a fairly highly regarded financial planner the other day and he is using 2% real for future returns. I have a global stock portfolio and use 4% real.
Dave Ramsey says 12% returns. So suck on that.
*drops mic*
Anonymous
05/14/2026 15:48
Subject: 39 and 365k net worth
Anonymous wrote:Anonymous wrote:Anonymous wrote:1.make more money
2.spend less money
It’s that easy. And yes you’re behind
They’re not very behind if that’s 365k invested. By 65, that’s over $2M in current dollars at 7% returns without any more contributions. This is well above the median of retirees.
7% real returns over the next two decades starting from today is very unrealistic. We're at a peak right now.
Okay, sell everything then if you’re so confident of that
Anonymous
05/14/2026 15:31
Subject: 39 and 365k net worth
Anonymous wrote:Anonymous wrote:Are you married or single? Do you have kids? If married, is that for you and spouse or just you? If you have kids, does that include college savings or just your retirement accounts?
For a single 39 yr old with no kids, you would be in a great position. You just keep working, keep investing, let it grow. No notes. You will be surprised by how it really starts to accelerate in your 40s and 50s, you just have to keep up what you are doing.
If you are married and that's for both of you, I'd try to accelerate your savings/investing rate. It's fine at that level, especially if you've purchased real estate instead of investing more, but now is the time to amp up what you are investing, especially as you start to approach peak earnings.
If you're married and that's just you, see the comments for a single person, plus sit down with your spouse to look at the big picture. If you both have about that, you are already well past the half million mark and doing well.
If you have kids, everything is different and depends on how many kids, college expectations/plans, spouse, whether you and spouse both work full time, home equity, etc. I still wouldn't say that is a bad amount for a couple with kids at 39, but it's not necessarily great either (depends on what else is happening) and I just have lots of other questions.
OP here.
Not married no kids. Would love both! Trying to meet financially responsible men after my divorce.
Rent a small one bedroom apartment.
keep investing, get older.
obviously, past performance is no guarantee of future earnings, but the 401k i started from zero 11 years ago (when i was 40) currently has $790k in it.
obviously a lot depends on income, ability to save, etc. just keep chugging away. and consider staying single 😬
Anonymous
05/14/2026 14:57
Subject: 39 and 365k net worth
Anonymous wrote:1.make more money
2.spend less money
It’s that easy. And yes you’re behind
This. Can you pick up gig work?
Anonymous
05/14/2026 14:47
Subject: 39 and 365k net worth
Anonymous wrote:Are you married or single? Do you have kids? If married, is that for you and spouse or just you? If you have kids, does that include college savings or just your retirement accounts?
For a single 39 yr old with no kids, you would be in a great position. You just keep working, keep investing, let it grow. No notes. You will be surprised by how it really starts to accelerate in your 40s and 50s, you just have to keep up what you are doing.
If you are married and that's for both of you, I'd try to accelerate your savings/investing rate. It's fine at that level, especially if you've purchased real estate instead of investing more, but now is the time to amp up what you are investing, especially as you start to approach peak earnings.
If you're married and that's just you, see the comments for a single person, plus sit down with your spouse to look at the big picture. If you both have about that, you are already well past the half million mark and doing well.
If you have kids, everything is different and depends on how many kids, college expectations/plans, spouse, whether you and spouse both work full time, home equity, etc. I still wouldn't say that is a bad amount for a couple with kids at 39, but it's not necessarily great either (depends on what else is happening) and I just have lots of other questions.
OP here.
Not married no kids. Would love both! Trying to meet financially responsible men after my divorce.
Rent a small one bedroom apartment.
Anonymous
05/14/2026 14:46
Subject: 39 and 365k net worth
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:1.make more money
2.spend less money
It’s that easy. And yes you’re behind
They’re not very behind if that’s 365k invested. By 65, that’s over $2M in current dollars at 7% returns without any more contributions. This is well above the median of retirees.
7% real returns over the next two decades starting from today is very unrealistic. We're at a peak right now.
No, it’s not. 7% is actually a conservative estimate based on over 100 years of data. It accounts for the Great Depression and the Great Recession.
Use historical single country data at your own peril. The future is unknown and you are also ignoring crazy valuations.
If you’re betting on the entire American economy collapsing, retirement is the least of your concerns.
If you want to use global data, OP is expected to have $1.9 million in today’s dollars at age 70. That is compared to a median net worth for 70-year-old Americans of $410,000, or a mean net worth of $1.8 million.
By all measures, OP is ahead of the game.
Anonymous
05/14/2026 14:44
Subject: 39 and 365k net worth
Are you married or single? Do you have kids? If married, is that for you and spouse or just you? If you have kids, does that include college savings or just your retirement accounts?
For a single 39 yr old with no kids, you would be in a great position. You just keep working, keep investing, let it grow. No notes. You will be surprised by how it really starts to accelerate in your 40s and 50s, you just have to keep up what you are doing.
If you are married and that's for both of you, I'd try to accelerate your savings/investing rate. It's fine at that level, especially if you've purchased real estate instead of investing more, but now is the time to amp up what you are investing, especially as you start to approach peak earnings.
If you're married and that's just you, see the comments for a single person, plus sit down with your spouse to look at the big picture. If you both have about that, you are already well past the half million mark and doing well.
If you have kids, everything is different and depends on how many kids, college expectations/plans, spouse, whether you and spouse both work full time, home equity, etc. I still wouldn't say that is a bad amount for a couple with kids at 39, but it's not necessarily great either (depends on what else is happening) and I just have lots of other questions.
For a single 39 yr old with no kids, you would be in a great position. You just keep working, keep investing, let it grow. No notes. You will be surprised by how it really starts to accelerate in your 40s and 50s, you just have to keep up what you are doing.
If you are married and that's for both of you, I'd try to accelerate your savings/investing rate. It's fine at that level, especially if you've purchased real estate instead of investing more, but now is the time to amp up what you are investing, especially as you start to approach peak earnings.
If you're married and that's just you, see the comments for a single person, plus sit down with your spouse to look at the big picture. If you both have about that, you are already well past the half million mark and doing well.
If you have kids, everything is different and depends on how many kids, college expectations/plans, spouse, whether you and spouse both work full time, home equity, etc. I still wouldn't say that is a bad amount for a couple with kids at 39, but it's not necessarily great either (depends on what else is happening) and I just have lots of other questions.
Anonymous
05/14/2026 14:42
Subject: 39 and 365k net worth
Net worth includes all types of assets. What is real estate equity, what is retirement accounts, what is cash equivalents, etc?
Anonymous
05/14/2026 14:40
Subject: 39 and 365k net worth
Are you married or single? Do you own or rent?
If you're not married, marrying someone who's frugal and with a good income will help. Owning your property will help build wealth more than renting. Then, max out your 401k, Roth IRA, and HSA plans, if available. Learn to cook instead of eating out. Save every penny you can and invest it.
If you're not married, marrying someone who's frugal and with a good income will help. Owning your property will help build wealth more than renting. Then, max out your 401k, Roth IRA, and HSA plans, if available. Learn to cook instead of eating out. Save every penny you can and invest it.