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all right guys lets go over this the median net worth by age so head of household right which would be me less than 35 if you are are you a over accumulator of wealth or an under accumulator of wealth so over accumulator would be above so say Im I just turned 34. so if I had more than 13 900 saying cash stocks whatever it was just a net positive income which is your assets minus your liabilities if I was if I was over that thirteen nine I would be an over accumulator so are you over or under we cant use averages because averages are skewed upwards by the like top Elite 1.1 percent so the average so we have to use median so for 35 to 45 4 is 91 300. 45 to 54 is 168. I mean I know some people that have like 300 grand in cash and they are my age and they have no debt