Anonymous
Post 05/19/2026 09:47     Subject: 39 and 365k net worth
Anonymous wrote:
Anonymous wrote:About 8 years ago a coworker, 48, bragged to me that he had just hit 250k in his retirement account. Another coworker, 32, said he was thinking about maybe starting to contribute to his. The rich DCUM crowd has no clue how behind normie Americans are.
-40 year old with 250k and whose spouse also has that amount.


So you have 500k saved for retirement. Are you saying that's normie or not?


It is just so odd to me that you would provide yours and hers and both together. Are you planning on just spending yours and she is only allowed to spend hers?
Anonymous
Post 05/19/2026 09:41     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.


Make sure you get a good prenup!!!
Anonymous
Post 05/17/2026 03:20     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.

This is very realistic.
We have always been at a peak.


Yep, USA could be Japan 2.0. We just need to double our CAPE ratio.
Anonymous
Post 05/17/2026 01:44     Subject: 39 and 365k net worth
Anonymous wrote:About 8 years ago a coworker, 48, bragged to me that he had just hit 250k in his retirement account. Another coworker, 32, said he was thinking about maybe starting to contribute to his. The rich DCUM crowd has no clue how behind normie Americans are.
-40 year old with 250k and whose spouse also has that amount.


So you have 500k saved for retirement. Are you saying that's normie or not?
Anonymous
Post 05/17/2026 00:53     Subject: 39 and 365k net worth
Anonymous wrote:About 8 years ago a coworker, 48, bragged to me that he had just hit 250k in his retirement account. Another coworker, 32, said he was thinking about maybe starting to contribute to his. The rich DCUM crowd has no clue how behind normie Americans are.
-40 year old with 250k and whose spouse also has that amount.


Same here. OP, as a result of some bad luck and some bad decisions, our net worth was lower than yours in our 40s. I'm now 58 and have $1.9M in retirement savings and $1.5M in real estate equity. We made better decisions, had better luck (with the great stock market), maxed out savings everywhere, and since I returned to work, we were saving twice as much. Don't get discouraged. You're on track so long as you keep working and saving.
Anonymous
Post 05/16/2026 20:50     Subject: 39 and 365k net worth
I understand that people on this board want to live a lavish lifestyle and need 20M to retire. But that’s not the reality for most people.

My aunt retired at the beginning of this year with 2M. She is 65 and her husband is 67.
A 4% withdrawal rate would give them 80k. SS will bring another 70k. Their house in fairfax is paid off.
She feels like 150k is plenty for their lifestyle.
Anonymous
Post 05/16/2026 20:00     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.

This is very realistic.
We have always been at a peak.
Anonymous
Post 05/16/2026 18:29     Subject: 39 and 365k net worth
About 8 years ago a coworker, 48, bragged to me that he had just hit 250k in his retirement account. Another coworker, 32, said he was thinking about maybe starting to contribute to his. The rich DCUM crowd has no clue how behind normie Americans are.
-40 year old with 250k and whose spouse also has that amount.
Anonymous
Post 05/16/2026 18:18     Subject: 39 and 365k net worth
At the end of 2011 my TSP (federal 401K equivalent) balance was $347,000. It is currently 2.35M, 14 1/2 years later. I have been make steady high contributions and investing in target date funds. At some point it starts making more money annually than you contribute, significantly more. This is the power of compounding. About 5 years ago we reduced contributions to focus on increasing college savings. DH is similarly situated.

You are doing great.
Anonymous
Post 05/16/2026 17:30     Subject: 39 and 365k net worth
Anonymous wrote:I feel so behind!! How can I get to a million faster?


You just keep chugging away...max retirement, control spending, if home ownership is a possibility, pursue that. You're throwing money away on rent. Once you've done these things, open a brokerage and start adding money to an index fund. It will add up- 20-25 years, you'll be fine. The main thing is to control spending- you can't do any of the above if you don't have a strict budget.
Anonymous
Post 05/14/2026 17:16     Subject: 39 and 365k net worth
Anonymous wrote:If a Democrat wins next POTUS election and Dems take Congress i would assume 1-2% growth at best.


If that happens, it will be a bad day for investors.
Anonymous
Post 05/14/2026 17:08     Subject: 39 and 365k net worth
Anonymous wrote:
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…


Yah, just fckin around. I know he's a tool.
Anonymous
Post 05/14/2026 17:05     Subject: 39 and 365k net worth
Anonymous wrote:Only Fans


Only if OP’s hot