Benchmarks by age
Explore by decade
Typical milestones, priorities and net worth ranges for each stage.
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Your 40s — The millionaire decade
Typical net worth: $600k – $2.5M
For most disciplined households, this is when the first million arrives (typical age 38–42). The snowball is now large enough that market growth outpaces your contributions.
Priority moves
✓Let compounding do the heavy lifting
✓Reassess asset allocation and risk
✓Model your FIRE number seriously
✓Track year-over-year change, not just the total
Benchmarks
Median NW, age 45~$247k
On-track saver$800k–$2M
Typical first $1Mage 38–42
Stories from this decade
$3.3M
Started EmptyHomeless Twice. Millionaire Once. That Was Enough.
$7.3M
Eight PillarsEight Pillars, No Paycheck
$1M
Zero InheritanceShe Grew Up on Food Stamps. At 43, She Hit $1 Million Without Noticing.
$3.6M
Deliberate Restraint$605K Household, Smallest House on the Block
$2M
Lean ConfirmedWhat Two Million Actually Buys
$15M
Pressure Testing