How To Be Wealthy By Age (2026 Edition)

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How much money should you have saved by your 20s, 30s, 40s, and 50s? Brian and Bo break down net worth by age, retirement savings benchmarks, investing goals, and wealth-building strategies for your 20s, 30s, 40s, and 50s. See how your finances compare, what net worth targets to aim for, and how priorities like emergency savings, investing 25%, buying a home, tax optimization, catch-up contributions, and retirement planning change over time. Whether you’re wondering how much should I have saved by 30, 40, or 50, trying to become a millionaire, or building toward financial independence, this is your decade-by-decade roadmap to building wealth.

Timestamps
00:00:00 — What Does It Mean to Be Wealthy at Every Age?
00:01:14 — Your 20s: Start Early and Use Time to Your Advantage
00:05:57 — Your 20s: Compounding, Investing, and Building Wealthy Habits
00:14:01 — Your 30s: The “Last Stop on Easy”
00:17:09 — Your 30s: Family Costs, Lifestyle Creep, and Saving 20–25%
00:25:28 — Your 30s Wealth Target: 3x Your Income by 40
00:26:13 — Abound Wealth: When Financial Planning Gets More Complex
00:26:58 — Your 40s: The Financial Fork in the Road
00:30:50 — Your 40s: Peak Earnings, Catch-Up Investing, and Tax Strategy
00:35:03 — Your 50s: Retirement Readiness Gets Real
00:38:14 — Your 50s: Catch-Up Contributions, Health, and Financial Freedom
00:40:06 — The Wealth Milestones That Can Put You Ahead
00:41:26 — Conclusion: Preparing for Retirement and the Next Stage

🔗 Financial Order of Operations → https://moneyguy.com/guide/foo/
🔗 Wealth Multiplier By Age → https://moneyguy.com/resource/wealth-multiplier-by-age/
🔗 How Much Should You Save? → https://moneyguy.com/resource/how-much-to-save/
🔗 Net Worth by Age (Compared to Peers) → https://moneyguy.com/resource/net-worth-by-age-compared-to-peers/
🔗 Are You on Track to Be a Millionaire? → https://moneyguy.com/resource/are-you-on-track-to-be-a-millionaire/

🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.

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