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FINANCIAL

(2007-11-16 19:40:34) 下一個
 
Money in your 30s

What you have

Amount

Median net worth

$44,200

Median net worth of top 25%

$128,100

Median net worth of top 10%

$317,800

Median income

$48,263

Life expectancy*

70-72.9

Children in household

67.6%

Homeownership

60.3%

Median value of home

$150,000

Own a car or cars

88.10%

Median value of vehicle(s)

$13,000

What you owe

Households with debt

87.0%

Median total debt

$86,000

% carrying credit card debt

55.00%

Median balance

$2,000

% carrying student loans

21.2%

Median amount owed

$13,000

% carrying installment loans

61.4%

Median amount owed

$12,000

% with a mortgage

55.9%

Median amount owed

$112,000

Households on the edge

Negative net worth

11.1%

60 days late on a bill

11.8%

Owe $10,000 or more on credit cards

8.4%

No health insurance

21.4%

Your future

Households with a pension

20.6%

401(k) or IRA

53.4%

Median value of accounts

$17,000



Money in your 40s
What you haveAmount

Median net worth

$117,800

Median net worth of top 25%

$338,100

Median net worth of top 10%

$719,800

Median income

$57,505

Life expectancy*

79.5 years

Children in household

67.6%

Homeownership

74.3%

Median value of home

$175,000

Own a car or cars

89.5%

Median value of vehicle(s)

$18,100

What you owe

Households with debt

88.4%

Median total debt

$92,000

% carrying credit card debt

56.3%

Median balance

$2,900

% carrying student loans

13.1%

Median amount owed

$8,000

% carrying installment loans

52.1%

Median amount owed

$12,000

% with a mortgage

64.5%

Median amount owed

$102,000

Households on the edge

Negative net worth

7.5%

60 days late on a bill

7.9%

Owe $10,000 or more on credit cards

10.7%

No health insurance

18.7%**

Your future

Households with a pension

28.8%

401(k) or IRA

59.0%

Median value of accounts

$40,000

 
FINANCIAL SNAPSHOT: AGES 50-59 

Median household income

$60,586

Median net worth

$182,300

Percent with home equity

80.70%

Percent with credit card debt

50.30%

Median amount owed on cards

$2,700

Percent with traditional pensions

38.10%

Percent with minor children

40.30%

Source: Federal Reserve's 2004 Survey of Consumer Reports

*Life expectancy from National Center for Health Statistics, 2006

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