Median Net Worth for U.S. Ages 35 and Under: $39,040 vs. $135,300 at 35–44 (Jan 2026)

The median net worth for U.S. individuals under 35 stands at $39,040, compared to $135,300 for those aged 35–44, according to the Federal Reserve’s Survey of Consumer Finances (Jan 2026). This gap reflects earlier accumulation timelines and the inclusion of housing and other long-term assets in later life. Assets for this group typically include early savings, retirement vehicles, and initial investments, while liabilities such as student loans, credit card debt, and home/down payment obligations can keep net worth modest or negative for many. Net worth grows with time as incomes rise, savings compound, and debt service declines. Tracking changes in net worth over time is more informative than comparing to peers; it highlights personal progress and areas needing adjustment. Regularly reviewing this metric can help young adults align spending, saving, and investment decisions with long-term goals.