[10000truths]

I got curious what the wealth distribution looks like when normalized to account for retirement account growth. The historical average of the S&P 500's inflation-adjusted rate of return is ~7%. According to [0], the actual YoY increase of net worth between age bands is less than that:

  Median household net worth by age
  35-44: $135600
  45-54: $247200 (+6.19%)
  55-64: $364500 (+3.96%)
  65-74: $409900 (+1.18%)

  Average household net worth by age
  35-44: $549600
  45-54: $975800 (+5.91%)
  55-64: $1570000 (+4.87%)
  65-74: $1790000 (+1.32%)

[0] https://www.fidelity.com/learning-center/smart-money/average...