How Much You Should Have Saved by 25

Everyone online has an opinion on how much you should have saved by 25. Most of it is completely disconnected from reality. In this video we cut through the comparison bait and talk about what your financial position in your mid-20s actually looks like — with real numbers, real context, and a framework that accounts for student loans, high cost of living, and entry level salaries that haven't kept pace with rent. We cover: — Why every "saved by 25" benchmark you've seen is built on flawed assumptions — The difference between savings balance and actual net worth — and why it matters — A realistic three tier framework for where you actually stand — The variables that make universal benchmarks almost meaningless — The one metric that actually tells you if you're making progress. This isn't a video that's going to make you feel behind. It's a video that's going to show you where you actually are — and what the next move looks like from there. Resources mentioned: Net worth calculator — search NerdWallet net worth calculator (free) Roth IRA — available through Fidelity, Schwab, or Vanguard (free to open, $7,000 annual contribution limit in 2025) High Yield Savings Account — search current top rates at Bankrate or NerdWallet. New video every week — practical, honest personal finance for people in their 20s who weren't taught this stuff in school. Subscribe so you don't miss it.