How Much Money You Need To Save By EVERY AGE


Here’s how much money you should aim to save at every age and exactly how you can get there – Enjoy! Add me on Instagram: GPStephan

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Original Video by Andre Jikh:

By 20 Year Olds:
First, go and get yourself a credit card.
Second, make sure you also open up a Roth IRA.
Third, I would aim to have 1-2 MONTHS of expenses saved up.
Fourth, get yourself invested in the markets in some way or another.

So, overall…by 20 years old, there aren’t really many NET WORTH or SAVINGS goals you should aim to hit…but, instead, it’s just about setting up a good foundation from which you can build from.

By 30 Years Olds:
First: You’ll want to have at LEAST a credit score of 750 or higher.
Second: I’d recommend you become COMPLETELY BAD-DEBT FREE by the time you’re 30.
Third, because everyone wants to know “HOW MUCH MONEY SHOULD I HAVE!!” – I kind of agree with the 1x your salary as a bit of a baseline to aim for.
And fourth – I think by 30, it’s reasonable to suggest that you aim to save at least 20% of your income every month.

By 40 Year Olds:
Second, you should also look into potentially BUYING A HOUSE if this is something you’re interested in.
Third, by 40, you should know EXACTLY how much you spend every single month – and have AT LEAST 5-7X your annual spending invested.

By 50 Years Old:
First: I think having 5x your annual income saved up is a good goal – but, if you can get this closer to 7x or higher, I think that’ll put you in a much stronger position for retirement.
Second: Depending on your situation, you should be about halfway through paying off the mortgage on your primary residence.
Third: You should also have a VERY clear idea of how much you’ll need in retirement, and when you plan to retire – and that needs to be calculated, NOW.

By 60 Years Old:
First: You’ll want to aim for at least 10-12x your salary saved up.
Second, I think it’ll also be wise to have almost paid off your primary residence by now – so, if you haven’t already done this, you’re getting close.
Third: It’s usually said that this is where your earnings will have somewhat peaked – so, if you’re in the highest earning years of your life, now is the time to save as much as you possibly can with the income you have.
Fourth: If you want to, NOW is the time where you can begin withdrawing from your retirement accounts without any penalties.

And really, from there …the rest is up to you, and those are the goals that I think you should aim to hit in every decade. Obviously, this is only going to be a rough ballpark and some people may be way ahead of this or way behind this – but, that’s not important – it’s more important to realize that NOW is the best time to begin working towards these goals. It’s all about starting this as soon as you can, even if you’re behind, and then working within your means to understand what you need to do to reach your future goals.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.



Robert Dunfee


  1. Rob Nos
    July 19, 2021 at 5:08 pm

    Dislike, Graham. You're telling people who don't understand debt to take out a credit card and trusting that they're going to be responsible? Tsk.

  2. Tony's Pizzeria
    July 19, 2021 at 5:08 pm

    I'm 19.5 years old. And credit score just hit 750. I have just opened up my 5th credit card. Thanks graham! By the way I still got to open up a Roth IRA soon.

  3. Kason Porter
    July 19, 2021 at 5:08 pm

    consistency is the key, i've been investing for months now and if i must be honest, i've made guite an impressive profit, most of those traders who offer to give you 500% of whatever you invest might scam you off your hand earned money.

  4. Ana M
    July 19, 2021 at 5:08 pm

    OMG I love the black and white parts of your videos! LMAO!

  5. Havtorn
    July 19, 2021 at 5:08 pm

    Im 15 and my net worth is about 100000 dollars 25000 of it is self earnd (i have worked «High» paying jobs since 12) and the rest is heritage

  6. Trevor From the Spanish Inquisition
    July 19, 2021 at 5:08 pm

    I’m 14 and I make 20$ a week and if I have a Roth IRA invest a dollar a day through co sign is that good

  7. Grant Schulte
    July 19, 2021 at 5:08 pm

    When you say "amount you should have saved", does this mean in retirement accounts or in general savings/brokerage accounts or both?

  8. Ana M
    July 19, 2021 at 5:08 pm

    "please gently OBLITERATE the like button" BAHAHAHAHAHA :))))))))))))))))))))))

  9. Wendy Kwok
    July 19, 2021 at 5:08 pm

    I recommend prioritize paying your high interest debts first because your investments will not grow as fast as that debt.

  10. Motley Mick
    July 19, 2021 at 5:08 pm

    The key to all of this is Time. Time is money. The more time you have the better off you are.

  11. Leonel Marcello Spetz Tamburrini
    July 19, 2021 at 5:08 pm

    I just turned 16, i got over 3k saved up and a third of that is in stocks. Stocks are going well and im in high school studying to become an electrician which here in sweden can make over a 100k a year. Ill start working at 18 without having to go to college

  12. Random Guy
    July 19, 2021 at 5:08 pm

    I think this needs to be adjusted now considering the economic state we're in now

  13. Dion Abrahams
    July 19, 2021 at 5:08 pm

    As an eleven year old I am happy to watch this video

  14. Just a man in Michigan
    July 19, 2021 at 5:08 pm

    And if you get divorced, it will all be for nothing.

  15. August
    July 19, 2021 at 5:08 pm

    Glad to learn this early! 14 y/o atm

  16. Steel Rarebit
    July 19, 2021 at 5:08 pm

    "So… I'm, uh… gonna need you to, uh… get on those TPS reports. Yeah…"

  17. Sukhbeer Singh
    July 19, 2021 at 5:08 pm

    how to live so you can be old

  18. Michele MM
    July 19, 2021 at 5:08 pm

    Does this work for Europe tho?

  19. Ayaz Mubaraka
    July 19, 2021 at 5:08 pm

    Did Graham go to collage

    July 19, 2021 at 5:08 pm

    I’m the poorest kid outta my buddies but we’re all 18 Im only at 5k

  21. zane levonian
    July 19, 2021 at 5:08 pm

    Stop recommending me

  22. Nicolas Pena
    July 19, 2021 at 5:08 pm

    This made me feel great. I’m balling at 20 with $24,000, a running Roth IRA and a credit card I stay on top of.

  23. doido
    July 19, 2021 at 5:08 pm

    I'm 21 and I have 60k saved up

  24. Kayo - osu!
    July 19, 2021 at 5:08 pm

    Paying off student loans in less than a decade? lmao

  25. abdalrhman yasser
    July 19, 2021 at 5:08 pm

    This garbo is highly unrealistic pushing trading for the young, so they "invest" all their money into stocks so they lose a whole bunch so they resort to watching u making more highly unrealistic standards that they have to strive just to reach

  26. Brian Baer
    July 19, 2021 at 5:08 pm

    This guy is insane

  27. Ken Caruana
    July 19, 2021 at 5:08 pm

    damn. they didn’t include me
    I’m 12
    how much money should a 12 year old save lol

  28. Texas Fire
    July 19, 2021 at 5:08 pm

    I just realized that you don't have an intro

  29. Zaiku
    July 19, 2021 at 5:08 pm

    where do I invest my money to safely get 6%-8% annual return? Index funds?

  30. flyingfiddler
    July 19, 2021 at 5:08 pm

    Cool. I think I'm doing OK. I'm 30, make $90k/yr, spend about $40k, and have about $240k invested…

  31. ZaveoK
    July 19, 2021 at 5:08 pm

    I don’t have a job only 15 but I’m still grinding 💯

  32. Nolan
    July 19, 2021 at 5:08 pm

    When you say you should have 1x your salary saved, does that refer to what money is sitting in your bank account or does that include investments in the stock market, 401k, Roth IRA, etc.?