At age 18, financial habits and early choices begin to shape your economic identity. Understanding your average net worth by age 18 helps you compare your progress with peers and adjust your habits before major financial decisions.
This overview combines survey data, central bank reports, and academic research to show realistic benchmarks and practical strategies for young adults.
| Age | Median Net Worth | Typical Assets | Common Liabilities |
|---|---|---|---|
| 18 | -$10,000 to $0 | Savings ($500–$2,000), smartphone, basic wardrobe | Student loans, credit card balance, phone contract |
| 20 | -$5,000 to $5,000 | Emergency fund, used car, part-time investments | Education debt, personal loans |
| 22 |
