Chart assignment
Charts to read and discuss
Read each chart, then answer its questions. Every chart shows its source and date; open it for a table of the numbers and the data to download.
Chart 1 of 2 · Wealth
How much wealth does each generation hold?
The interactive chart needs JavaScript. The numbers are on the chart's page.
In the quarter ending June 2026, households headed by baby boomers (born 1946 to 1964) held $97.4 trillion, 52.5% of all U.S. household wealth. Gen X (born 1965 to 1980) held $47.7 trillion, 25.7%; millennials and younger (born 1981 or later) held $20.8 trillion, 11.2%; and the Silent Generation and earlier (born before 1946) held $19.8 trillion, 10.7%. Generations are compared at different ages, so older ones have had longer to build wealth. Wealth here is net worth: what households own (homes, stocks and mutual funds, pensions and retirement accounts, private businesses, cars and other belongings, bank deposits) minus what they owe (mortgages, credit cards, student and car loans). The Fed estimates each quarter by combining its Financial Accounts with its Survey of Consumer Finances, taken every three years, so the newest quarters are estimates that get revised.
Questions to discuss
- In one sentence of your own, what does this chart show?
- Find the biggest change or difference in the chart. What might explain it?
- Who collected these numbers, and how recent are they? What else would you want to know before drawing a conclusion?
Source: Federal Reserve Board, Distributional Financial Accounts (Public domain (Federal Reserve Board; cite the Board as the source)) · Data as of Jun 30, 2026
Open the chart and its numbersChart 2 of 2 · Wealth
What is the median household net worth by age?
The interactive chart needs JavaScript. The numbers are on the chart's page.
In the Federal Reserve's 2025 survey, the typical (median) household headed by someone under 35 had a net worth of $32,820, and one headed by someone 35 to 44 had $156,000. The median was $254,670 for ages 45 to 54, $411,340 for 55 to 64, $431,900 for 65 to 74 and $504,600 for 75 and over, about 15 times the under-35s'. The median is the household in the middle: half have more and half less. Averages are much higher, because a few households are very rich. Net worth is what a household owns (homes, retirement accounts, stocks, businesses, cars, bank accounts) minus what it owes (mortgages, student and car loans, credit cards). The survey is taken every three years, and figures are in dollars of the survey year. People of different ages also lived through different times, so this compares age groups, not one household's path through life.
How to read this chart
Each bar is the median net worth of households, grouped by the age of the person who heads them. Net worth is what a household owns, such as a home, savings and retirement accounts, minus what it owes, such as a mortgage or student loans. The median is the household in the middle: half have more and half have less.
Questions to discuss
- Which age group has the highest median net worth, and about how many times the under-35 group's is it?
- Why might net worth keep rising through most of a working life, and why might it fall for the oldest group?
- A few very rich households pull the average far above the median. Why is the median a better picture of a typical household?
Source: Federal Reserve Board, Survey of Consumer Finances (Public domain (Federal Reserve Board; cite the Board as the source)) · Data as of Dec 31, 2025
Open the chart and its numbersTeachers: make your own chart assignment, or change this one. Free, no account needed.