FINANCIAL

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Links

Aadvantage  by Barclays new link moving to Citibank 2026-04-04
Capital One Quicksilver
GM Flex  Barclays started 2025-08 - was Marcus Goldmand Sachs previoulsy and Capital One before that and HSBC before that       new link
Huntington   huntington financial planning     smoking setting:    About You->Tip [how long expers suggest you should plan to lvie]->Discuss
American Legacy   
Principal     
rightcapital

Fidelity  

Vanguard (current)

IncaAztec Storage

resmed cpap

RetireMed retirement advisors for UH pension and cobra insurance
2026-02-04 link I saved also for RetireMed

ADP
Nopec rate     Apples to Apples comparison by ohio.gov
Windstream 

S&P 500     futures         S&P 500 Historical Annual Returns (1927-2025)
Nasdaq Composite   futures   
Ripple XPR crypto

Articles

2026-02 The 'Take That, Uncle Sam' Rule of Retirement Spending

sequence of returns risk

2026-01
for fiscal year 2024
tax revenue $4.9T (49% individual income tax, 35% payroll tax, 11% corporate income tax ~5%other)
spending $6.9T (~$2T deficit)
national debt $38.4T as of 2026-01
doge claims $215B in savings, originally claimed $2T

those figures divided by 100M so similar to household budget
49,000 income
69,000 spending (20,000 deficit)
380,000 debt
2,150 doge claims

2025-12-18 AI will hurt workers but benefit investers

review of Retirement Planning Tools and Software for 2025 | U.S. News

2025-09-26ish Dave Ramsey Calls Co-Host's 3% Retirement Withdrawal Rate Advice 'Hope-Stealing Trash' After 30-Year-Old With $120K Nest Egg Calls In Confused

The 4% rule is now the 4.7% rule. Here's why that matters.
original was bond heavy and recent stock market gains now factored in
The rule is based “on research that was trying to find the worst case among all retirees for the last 100 years,” Bengen said. “I think some retirees, a lot of retirees, should probably spend more.”

Don't Let Sequence of Returns Risk Ruin Your Retirement | Kiplinger

Upper-Class Retiree Spending at Age 75 | GOBankingRates

How long does $1 million last? 
where did expenses get from those listed to 85k?

Financial coach: Why an HSA is at least 17% better than a 401(k)

1 in 10 Americans now millionaires, but the status loses some luster | AP News - appears to be households net worth including home

The Rule of Retirement Inversion | Kiplinger

2025-07-28 from visual capitalist # millionaires (individuals' liquid investable wealth) in top countries: 6,041,600 in US (top), 16,505,000 global total

How Much the Average Middle-Class average retired household Spends Monthly at Age 70 = $5,400 per month or about $65,000 annually

2025-06 NY Times on costs for long term care   (local .pdf)

2025-05 "Upper Class"

2025-04-07 Fifty and out: How Gen X became the biggest work losers (with 10 years still to go)
from the-independent regarding British creative careers and affect of AI

2025-04-01   retirement consumption puzzle
"Meet the rich retired boomers who are now ultra-frugal because they are scared of going broke—even after saving for decades" at fortune.com    (local .pdf)
scholarly article referenced by NATIONAL BUREAU OF ECONOMIC RESEARCH (local .pdf)

2025-03 The 'Die With Zero' Rule of Retirement | Kiplinger

2025-02-16 Attorney With $2 Million In Dividend Stocks Pulls $16,000/Month – Says 'Young Investors Are Blowing Their Future By Cashing Out Too Soon'

A Record Number of Americans Now Have $1,000,000 Saved in Their 401(k)s — but It's Probably Fewer Than You Think | Moneywise
544,000 of 24,000,000 401k accounts in study

2025-02 How Far Can You Get With $1 Million for Retirement - Voronoi

2025-01 45% of Americans who retire at 65 go broke

importance of making first 100k

top 10% household net worth by age     summary here    original Federal Reserve data here
18-29: $281,550
30-39: $711,400
40-49: $1,313,700
50-59: $2,629,060
60-69: $3,007,400
70+: $2,862,000

2025-01-31 $10,000 per month is easier than you might think

2024-12-29 Why 2025 looks like a great year to retire

2024-12-29 this article claims 4% can't be used anymore and advocates all equities and no bonds - even after retirement

2024-12-07 article about $2.8M saved but only 46 so need 40 years use 3%

2024-11-25 Suze Orman makes crazy claim that $10M is needed to retire

2024-11-03 Per Business Insider article "Meet the 'Silver Squatters'..." listing Prudential Financial as the source
median retirement savings for those in their mid-50s is just under $48,000
35% of 55-year-olds have < $10,000 saved
18% of 55-year-olds have no retirement savings at all

2024-10-31 why a flooring approach may be safest but not always best from yahoo finance--

2024-10-22 US household net worth percentiles from dqydj.com     shows all 99 percentiles and compares 2020 vs 2023

2024-08-21    The Pointlessness of Working When Your Net Worth Is Declining by financial samurai
The Minimum Investment Amount Where Work Becomes Optional - Financial Samurai

yahoo finance: "median retirement savings account balance is $87,000 per Federal Reserve
under 35 $18,800
35-44 $45,000
45-54 $115,000
55-64 $185,000
65-74 $200,000
75 or older $130,000
While the average balance across all families is higher at $333,940, this number is skewed upwards by the wealthiest households. "

Median Income for Ohio per yahoo finance:
$38,314 for ages 15 to 24
$75,119 for ages 25 to 44
$81,640 for ages 45 to 64
$49,081 for ages 65 and over
this page has similar figures that show them as median household income

2022 Federal Reserve per yahoo finance:
avg household net worth $1.06 million
avg retirement savings 32-61 $129,000; $310,793 with "broader definition of retirement assets"
top 3.2% of individuals' retirement accounts are over $1 million; top 0.1% are over $5 million

Are You Saving Enough To Be In The Top 3% Of Retirees? Here's How Much You Need

Can You Guess How Many Retire With A $5 Million Nest Egg?   
0.1% of retirees manage to accumulate over $5 million in their retirement accounts
3.2% retire with over $1 million

Median Salary of Americans Your Age in Every State

Per this yahoo finance article:
Lower class: The bottom 20% of earners with household incomes not exceeding $28,007.
Lower middle class: Those in the 20th to 40th percentile of household income, between $28,008 and $55,000.
Middle class: Those in the 40th to 60th percentile of household income, ranging from $55,001 to $89,744.
Upper middle class: Households in the 60th to 80th percentile, with incomes between $89,745 and $149,131.
Upper class: The top 20% of earners, with household incomes of $149,132 or more.

Per this Motley Fool article
average 401k for 55 to 64 year olds is $207,874
median 401k for 55 to 64 year olds is $71,1668

2024-02-05 Yahoo Finance Stats
from Census Bureau 2022
the median household income is $74,580 (a 2.3% decline from 2021), while household income levels for each class level are as follows
[for purposes of this article,
bottom 20 percentile will be identified as lower class,
followed by lower-middle class (up to 40th percentile),
middle class (up to 60th percentile),
upper-middle class (up to 80th percentile)
with the remainder considered upper class ]
Lower class: less than or equal to $30,000
Lower-middle class: $30,001 – $58,020
Middle class: $58,021 – $94,000
Upper-middle class: $94,001 – $153,000
Upper class: greater than $153,000

2021 Census Bureau Net Worth from same article
Lower class: $12,000
Lower-middle class: $61,260
Middle class: $145,200
Upper-middle class: $269,100
Upper class: $805,400

 

Geauga 2023-12 stats

Yahoo Finance "The Average American Couple Has Saved This Much Money For Retirement — How Do You Compare?"

Yahoo Finance "Can You Guess How Many Americans Successfully Retire With $1 Million Saved? The Percentage May Shock You"

Household net worth percentiles per moneywise.com
Americans aged 65 and up who rank in the 50th percentile have a household net worth of $281,000
Households in the 20th percentile ($10,000)
People in the 90th percentile are considered well off, with a household net worth of $1.9 million
The 95th percentile is considered wealthy, with $3.2 million household net worth
the 99th percentile is very wealthy, with $16.7 million in net household worth
retirement:
the amount of debt among Amerians aged 70 and up increased 614% from 1999 to 2021, according to CNBC, citing data from the Federal Reserve Bank of New York.
A 2019 Congressional Research Service report found the share of households led by those aged 65 and up with any type of debt went up from 38% in 1989 to 61% in 2016.

83% of managed large cap funds underperformed the S&P500 (local .pdf)

factors to consider when picking a stock (local .pdf)

2023-02-19 car prices article
Since 2019, the average price of a new car in the US has risen 30% to $50,000 per Bloomberg News
to lease a new car, it would cost $777 a month — almost double what it was in 2019
According to the Bureau of Labor Statistics, the average monthly after-taxes salary in the US is $4,318. Anyone wishing to buy a new car would have to devote around 18% of their monthly take-home pay
The average price of a second-hand vehicle is around $27,000, according to data from Cox
Leasing a used model would set the average American back $544 a month
General Motors recently reported an operating profit of $14.5 billion last year — a record high
In 2022, Ford said it made an adjusted profit of $10.4 billion
Before 2019, carmakers usually carried between 60 and 100 days of inventory. Now that timespan has been slashed in half
they [US car mfgs?] sold 13.9 million cars, trucks, SUVs and vans last year as the parts shortage limited factory output amid high demand for new vehicles. It was the lowest sales number since 2011 when the economy was recovering from the Great Recession
Analysts are now expecting sales to grow by roughly 1 million to around 14.8 million this year as demand remains strong. But they’ll still be far short of the normal 17 million per year before the pandemic [i decided how much space it would take to park 2.2 million cars in the 320 square footage typical parking space: 16,121 acres =25.25 square miles]

2023-01-12 per this article
personal saving rate — meaning personal saving as a percentage of disposable income — fell to 2.4% in November from 8.9% in November 2019, before the coronavirus pandemic. 

2023-01-07 foxbusiness on student debt:
Americans have more than $1.6 trillion
average student loan payment is an estimated $460
84% of American adults said student loans are negatively impacting how much they can save for retirement

2023-01-07 cnbc.com middle class in different cities

  1. ~ 50% of Americans were in middle class 2011-2021; 61% in 1971 was the peak
  2. Pew defines "middle class" as those earning between two-thirds and twice the median American household income,
    which in 2021 was $70,784, according to the United States Census Bureau.
    That means American households earning as little as $47,189 and up to $141,568 are technically in the middle class

2023-01 googled s&p 500 average annual return last 50 years and found this good article

2023-01 from here

  1. More than half of Americans — 51% — have $5,000 or less stored in savings accounts
  2. 35% — have $1,000 or less stored in savings accounts
  3. Median savings $4,500
  4. Median amount Ages 45-54: $61,530
  5. Median amount Ages 34-44: $36,117
  6. Some experts have suggested saving twice your annual income by age 35
  7. Many experts recommend having enough money in an emergency fund to cover at least three months’ worth of expenses
  8. 47% of Americans have an emergency fund they can tap into if they need money suddenly. The median amount in such accounts is $2,000
  9. The average American adult holds $6,569 in credit card debt
  10. total credit card debt in the U.S. stood at $925 billion
  11. 2019 median net worth for Americans ages 35-44      $91,300.
  12. 2019 median net worth for Americans ages 45-54    $168,600.

2023-01-02 lower, middle or upper class per Pew Research Center

  1. household of three needs an income of $156,600 to meet the definition of upper class, which amounts to more than double the national median
    Between 2007 and 2016, the median net worth of the top 20% increased 13% to $1.2 million
  2.  a Gallup survey earlier this year shows that just over half of respondents identified as either middle or upper middle class
    middle class earners are actually those whos income falls between $52,200 and $156,600, or two-thirds to double the national median when adjusted for local cost of living and household size.
  3. a three-person household would be considered low-income if they’re bringing in less than $52,200 a year
    about 38% of households make less than $50,000 in 2021
  4. In 2021, the median household income was $70,784, according to Census Bureau data

2023-01-02 details of study of 2020 US earnings by Economic Policy Institute

  1. In US households, percentage whose top wage earner is a billionaire: 0.001%
  2. Average earnings of top wage earner of households in the top 10% : $173,000
  3. Average earnings of top wage earner of households in the top 90% : $40,000
  4. Average earnings of top wage earner of households between 90th and 95th percentile: $133,500
  5. Average earnings of top wage earner of households between 95th and 100th percentile: $223,000
  6. Maybe total household income between 95th and 100th percentile: $343,000
  7. Maybe total household income between 99th and 100th percentile: $824,000
  8. for middle class Americans, average income is $90,000

2023-01-02 middle class calculator

  1. Overall for U.S. in 2018:
    19% of American adults were in Upper Class
    52% Middle class
    29% Lower class
  2. Middle-income households are those with an income that is two-thirds to double the U.S. median household income
    had incomes ranging from about $48,500 to $145,500 in 2018 (for 3 person household)

 

 

 

 

last updated:    Mon 2026-02-09 9:47 AM