{"id":1653,"date":"2026-04-21T07:26:20","date_gmt":"2026-04-21T07:26:20","guid":{"rendered":"https:\/\/kensmartips.com\/finance\/?p=1653"},"modified":"2026-04-21T07:26:20","modified_gmt":"2026-04-21T07:26:20","slug":"the-exact-amount-you-should-have-saved-at-every-age","status":"publish","type":"post","link":"https:\/\/kensmartips.com\/finance\/?p=1653","title":{"rendered":"The Exact Amount You Should Have Saved At Every Age"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/8-LUcWcl5gw\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>If you want to learn more about The Metals Royalty Company (NASDAQ: TMCR), go to https:\/\/www.themetalsroyaltyco.com\/<\/p>\n<p>This content was conducted on behalf of The Metals Royalty Company Inc. (NASDAQ: TMCR) and was funded by Outside The Box Capital Inc. After Marko Whiteboard Finance was engaged by Outside The Box Capital Inc. to advertise for The Metals Royalty Company Inc. (NASDAQ: TMCR).<\/p>\n<p>For our full disclaimer, please visit: https:\/\/bit.ly\/4dT8ndt<\/p>\n<p>The median American household headed by someone in their 60s has a net worth of $409,900, including the house. Strip out home equity, and most people have around $150,000 in liquid savings at the peak of their financial life. Social Security was never designed to carry that load alone.<\/p>\n<p>In this video, I break down where most Americans stand at every decade, the exact benchmarks you should be hitting, and the moves that change your savings trajectory.<\/p>\n<p>\ud83d\udccc WHAT YOU&#8217;LL LEARN:<br \/>\n\u2192 The exact net worth benchmarks from your 20s through 60s (Federal Reserve data)<br \/>\n\u2192 The 2026 401(k) and Roth IRA limits most people aren&#8217;t maxing<br \/>\n\u2192 Why investment fees are quietly draining your retirement<br \/>\n\u2192 The six reasons most Americans never build enough wealth<br \/>\n\u2192 How Social Security timing can be worth hundreds of thousands of dollars<\/p>\n<p>MY FAVORITE TOOLS &amp; RESOURCES<br \/>\n\ud83e\udd1d Join My Private Community: https:\/\/wbfuniversity.com<br \/>\n\ud83c\udfe0 Get My Home Affordability Spreadsheet: https:\/\/wbfuniversity.com<br \/>\n\ud83d\udcc8 My Favorite Investing Platforms: https:\/\/whiteboardfinance.com\/go\/investing<br \/>\n\ud83d\udcb8 My Favorite High Yield Saving Accounts: https:\/\/whiteboardfinance.com\/go\/hysa<br \/>\n\ud83d\ude97 Save on car insurance: https:\/\/whiteboardfinance.com\/go\/auto<br \/>\n\ud83d\udcb5 Need A Personal Loan?: https:\/\/whiteboardfinance.com\/go\/personal-loans<br \/>\n\u20bf $5 FREE Bitcoin (River): https:\/\/river.com\/whiteboardfinance<br \/>\n\ud83d\udce9 Business Email \u2192 sponsorships@whiteboardfinance.com<\/p>\n<p>MY OTHER SOCIALS:<br \/>\n\ud83d\udcf8  Instagram &#8211; https:\/\/www.instagram.com\/whiteboardfinance\/<\/p>\n<p>\ud83d\udd50 TIMESTAMPS:<br \/>\n0:00 The number most Americans retire with<br \/>\n0:33 What net worth actually means<br \/>\n1:24 Your 20s \u2014 habits that compound for 40 years<br \/>\n2:31 Exact savings benchmarks by decade (2026 data)<br \/>\n4:45 The 1% fee quietly draining your retirement<br \/>\n7:41 Your 50s \u2014 the catch-up window most miss<br \/>\n8:36 Why most Americans never build enough wealth<br \/>\n11:37 The Social Security move that changes everything<\/p>\n<p>\ud83d\udcda SOURCES:<br \/>\nFederal Reserve SCF 2022: https:\/\/www.federalreserve.gov\/econres\/scfindex.htm<br \/>\nIRS 2026 Limits: https:\/\/www.irs.gov\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500<br \/>\nFidelity Benchmarks: https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire<br \/>\nSSA Delayed Credits: https:\/\/www.ssa.gov\/benefits\/retirement\/planner\/delayret.html<br \/>\nFed G.19 Credit Card Rates: https:\/\/www.federalreserve.gov\/releases\/g19\/current\/<br \/>\nBLS Earnings by Age: https:\/\/www.bls.gov\/opub\/ted\/2025\/median-weekly-earnings-were-1302-for-men-1083-for-women-in-fourth-quarter-2024.htm<\/p>\n<p>______<\/p>\n<p>ABOUT ME \ud83d\udc47<\/p>\n<p>My mission is to provide my viewers with actionable content that helps them build financial wealth. My videos reflect my real-world experience as a real estate investor, stock market investor, finance major, and entrepreneur. <\/p>\n<p>This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.<\/p>\n<p>DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. You must conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.<\/p>\n<p>AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and\/or subscribe. However, this does not impact my opinion.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you want to learn more about The Metals Royalty Company (NASDAQ: TMCR), go to https:\/\/www.themetalsroyaltyco.com\/ This content was conducted [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":1654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kensmartips.com\/finance\/?p=1653\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Exact Amount You Should Have Saved At Every Age - 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