How do DINKs stack up in the personal finance world?

Given our recent financial goal, to reach $400k by the end of the year, I was curious to see where we stack up against others.

Call me naive, but I never imagined that the median net worth would be as low as it is. The good news is that median net worth is on the rise, but the bad news is that the chart at the left is an improvement from where the nation was in 1998.

I also came across an interesting tidbit from the 2000 US census showing that married couples had a much higher net worth than singles of the same age. Married couples had a median net worth of $91,218, whereas single males had $24,659 and single female households had $23,028. I know that for James and I that there has definitely been a spike in what we can accomplish together rather than apart.

More applicable, I was able to find this chart on the overall nest egg savings of American households. Keep in mind that it says home equity is not included in these numbers. Thus it is a bit harder to figure out where we fit in the scale of things.

One way or another, we certainly have a passing grade. That feels like a pretty good reward for our efforts to provide ourselves with a solid financial base.

Enjoy your weekend!

Miel

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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