{"id":572,"date":"2023-02-13T13:00:00","date_gmt":"2023-02-13T13:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/whos-in-the-millennial-1-percent\/"},"modified":"2025-09-05T16:39:00","modified_gmt":"2025-09-05T16:39:00","slug":"whos-in-the-millennial-1-percent","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/whos-in-the-millennial-1-percent\/","title":{"rendered":"Who\u2019s in the \u201cMillennial 1%\u201d\u2014and How Did They Get There?"},"content":{"rendered":"
\n

The following breakdown uses 2023 wealth data.<\/em><\/strong><\/p>\n

Millennials are an interesting generation, because we usually discuss our avocado-toast-eating brethren as an economic monolith. We (mistakenly) assume all millennials are experiencing relatively similar economic hardships. <\/p>\n

But there\u2019s one<\/em> group of millennials\u2014a small, unique subset with specific similarities worth exploring\u2014that are actually doing a lot better<\/em> than the top dogs of previous generations when they were millennial-aged. For definition\u2019s sake, the \u201cmillennials\u201d we\u2019ll be talking about today are those born between 1981 and 1996<\/span><\/a>\u2014which would put them around the ages of 27 and 42 in 2023.<\/p>\n

What tailwinds did these millennials benefit from that put them so far ahead<\/em> of not only their peers, but 1%ers of generations past? Let\u2019s dig in.<\/p>\n<\/div>\n

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A wealth gap so gappy, it makes the Boomers look egalitarian<\/h2>\n

The young adults of today are shuffled into a system that creates even bigger winners and losers than the one their parents\u2019 generation faced\u2014which means they may find themselves priced out of the lifestyles they enjoyed as kids, even if <\/em>their professional success rivals or even exceeds that of their parents.<\/p>\n<\/div>\n

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\n \u201c<\/span>The median net worth of someone aged 30\u201334 is about $19,000\u2014while the net worth of a \u2018Top 1%\u2019 30- to 34-year-old is $1.37m.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
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According to data from the Federal Reserve\u2019s 2019 Survey of Consumer Finances, the median net worth of someone aged 30\u201334<\/span><\/a> is about $19,000\u2014while the net worth of a \u201cTop 1%\u201d 30- to 34-year-old is $1.37m. That\u2019s a whopping 70x larger than the median for the age bracket. <\/p>\n

The story is even more damning for the 35\u201339 camp, where the median net worth is about $36,000 while the 1% net worth is $2.8m\u201477x larger. <\/p>\n

For comparison, the \u201c60\u201364\u201d group that\u2019s inclusive of boomers has a 1% net worth that\u2019s 60x larger than their median counterpart, and the 65+ camp\u2019s 1% net worth is 54x larger than the median. A veritable socialist utopia, huh?!<\/p>\n<\/div>\n

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So that\u2019s median and 1% \u2014 but what type of wealth is considered \u201cmiddle class\u201d?<\/h2>\n

According to Pew Research Center<\/span><\/a>, the median wealth (adjusted for inflation) of someone considered \u201cmiddle class\u201d overall in the US is $125,000. If one examines the \u201cmiddle-of-the-road\u201d-aged millennials (those 30-34 in 2019 when the data was collected), only the top 20% had a net worth that hit this middle class median wealth threshold. Those in the 20th percentile<\/span><\/a> had a negative net worth, and those in the 50th percentile had a net worth of around $20,000.<\/p>\n

You could probably explain some of this away by the simple factor of age<\/em>; it\u2019s common to have more debt when you\u2019re young and accrue more wealth over time as your investments compound (for example, the median net worth for the \u201c50-54\u201d crowd was $122,000). <\/p>\n

For that reason, it\u2019s probably fair to say that young people have a decent shot of aging<\/em> into middle class wealth<\/strong>.<\/p>\n

But how do we explain the sub-cohort of millennials that are thriving far beyond the historical average, when the majority clearly aren\u2019t? <\/p>\n<\/div>\n

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Meet the millennial 1%<\/h2>\n

So how much do you need to earn to call yourself a millennial 1%er? <\/p>\n

Based on income alone, if you\u2019re under 35, you\u2019re a \u201ctop 1%\u201d earner if your household earns more than $225,000<\/span><\/a>. Something to #strive for, I suppose. <\/p>\n

My friend Nick wrote a great piece on Of Dollars & Data<\/em>, so please enjoy this chart he labored over that shows top percentile earnings by age range:<\/p>\n<\/div>\n

\"\"\/<\/a><\/p>\n

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And while income can be a good indicator of financial success, net worth tends<\/em> to be a heartier measure of \u201cthings going right for longer,\u201d as it\u2019s more permanent than income (that can go away with little warning). To have a 1% millennial net worth (aka to be in the top 620K of the 62M existing millennials), you\u2019d need to have socked away between <\/strong>$600,000 and $2.8M<\/strong><\/a>, depending on which cohort you belong to within the millennial spectrum. <\/strong><\/p>\n

Sure, a 25-year-old can luck into a really great gig earning $250,000 per year\u2014but how does one amass $2M by age 30? <\/p>\n

That\u2019s a little trickier, and requires more digging. <\/p>\n<\/div>\n

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\n \u201c<\/span>The biggest factors in millennial net worth outcomes are whether or not they have student loans, if they own property, and their incomes.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
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Because most millennials are still too young to have amassed decades of wealth from a successful career, the biggest factors in millennial net worth outcomes are whether or not they have student loans, if they own property, and their incomes. (Note that two of the three are strongly correlated to the amount of wealth their parents have.)<\/p>\n

Because who are the millennials\u2019 parents? The Boomers, baby! The Boomers, who are collectively poised to pass down approximately $70 trillion<\/span><\/a>, are the single-richest group on planet Earth. <\/p>\n

(They hold more than half of all US wealth, and control about 17%<\/span><\/a> of all wealth globally, a fact that really begs the question: How do we recreate the post-WWII economy without another World War?)<\/em><\/p>\n<\/div>\n

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Student loans & property<\/h2>\n

I asked Canadian personal finance expert Bridget Casey, who wrote a piece called \u201cThere Is No Such Thing as a Millennial Middle Class<\/span><\/a>,\u201d to weigh in on the show this week, edited here for brevity: <\/p>\n

\u201cIt\u2019s called the \u2018Funnel of Financial Privilege.\u2019 If someone receives some<\/em> financial advantage from their parents, there’s a high likelihood that they received others\u2014and those benefits tend to accrue. <\/p>\n

Someone whose parents could afford to give them a down payment are likely the same parents who could afford to pay for their post-secondary, who tend to be the same parents that can probably afford to pay for a good chunk of your wedding.<\/p>\n

It becomes a funnel that pushes [their children] to a really high net worth much earlier in life than people who didn’t have any of those advantages.\u201d<\/p>\n

So it stands to reason that millennials whose parents foot the bill for college (and maybe even gifted them the down payment for their first home, or provided an interest-free loan) are in a radically different position today than those who did not have this leg up. <\/p>\n

Now, I realize that \u201csome people just have rich parents!\u201d doesn\u2019t feel<\/em> like a particularly revolutionary finding, but there\u2019s a double whammy at play here: Not only did access to family capital allow this group to avoid taking out debt early in life (debt that doesn\u2019t<\/em> have an appreciating hard asset to offset it, mind you), but it also<\/em> granted them access to an asset class that was on the brink of being propped up by expansionary monetary policy. <\/p>\n<\/div>\n

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\n \u201c<\/span>Elder millennials with generous parents (or highly paid jobs!) were well-positioned to take advantage of one of the largest downturns in history.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
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Real estate\u2019s all about timing, and millennials were between the ages of 15 and 30 in 2011 when the real estate market bottomed<\/span><\/a>. The eldest millennials were in a prime position to buy their first properties right as real estate was cheapest. And it wouldn\u2019t remain cheap for long, though as long as you got in before 2020, you saw the value of your asset skyrocket. <\/p>\n

Elder millennials with generous parents (or highly paid jobs!) were well-positioned to take advantage of one of the largest downturns in history.  <\/p>\n

This theory sounds intuitively true, but is it accurate? We can pressure-test it: According to a Coldwell Banker luxury report<\/span><\/a> that\u2019s cited ad nauseam online, 92% of millennial millionaires own property. The average<\/em> number of properties a millennial millionaire owns is 3, and their average real estate portfolio value is $1.4M. <\/p>\n

And because real estate is an asset class that primarily uses leverage to generate returns, this group\u2019s parents wouldn\u2019t have to be the yacht-owning, company-leading, Rockefeller types\u2014a single, large cash infusion from a decently well-to-do family member at the right time can spark a mushrooming real estate portfolio, if you know what you\u2019re doing. <\/strong><\/p>\n

Of course, that\u2019s not to suggest that every<\/em> millennial real estate mini mogul got a large cash infusion from a family member\u2014unfortunately, there\u2019s no data to tell us how common that is. But it stands to reason that those with generous parents were more well-positioned than those in generations past, if for no other reason than the housing crash in the early aughts was the largest of all time.<\/p>\n<\/div>\n

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Will the \u201cGreat Wealth Transfer\u201d be the Great Equalizer? Probably not<\/h2>\n

According to Cerulli Associates<\/span><\/a> in 2019, millennials are estimated to inherit $68T from the Boomers over the next decade or so. On its face, this sounds (?) like a good thing\u2014the millennial generation as a whole is about to get a hell of a lot richer and close the gap, right? Start buying shares of $SBUX now!<\/p>\n

Wrong! The Federal Reserve\u2019s analysis<\/span><\/a> shows that millennials who are already<\/em> in the top 10% of the income distribution are twice as likely<\/strong> as millennials in the bottom 50% to receive an inheritance.<\/p>\n

Per New York Magazine<\/span><\/a>, \u201cThe millennial rich and upper-middle class will be the wealthiest [generation] America has ever known. Working-class millennials, meanwhile, are poised to enjoy less economic security than their parents, as their wages fail to keep pace with the rising costs of housing and health care<\/span><\/a>.\u201d<\/p>\n

Based on these two factors alone\u2014higher education costs and housing\u2014you start to get two radically different classes of millennial experience, and variations of the two somewhere in between.<\/p>\n<\/div>\n

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So what\u2019s a 99% millennial to do?<\/h2>\n

History would tell us that\u2014to some extent\u2014it\u2019s statistically likely that more of this generation will age into the middle class over time. <\/p>\n

But tactically speaking, if you’re dealing with student loans, can\u2019t afford a house, and don\u2019t<\/em> stand to inherit a bunch of money from your rich-ass Boomer parents, there\u2019s really only one piece of the puzzle we touched on today that doesn\u2019t rely as fully<\/em> on external factors: Your income<\/strong>. <\/p>\n<\/div>\n

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>
\n \u201c<\/span>If you\u2019re trying to determine where to focus your energy as a millennial in 2023, the answer is clear: Human capital.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
\n

Developing more marketable skills, working to surface more opportunities more frequently, trying different things\u2026these are the highest points of leverage for many young people without the other tailwinds we described today, like family wealth or a house you bought in Boulder in 2012. It\u2019s where your time and energy are likely going to go the farthest and provide the highest ROI.  <\/p>\n

If you\u2019re trying to determine where to focus your energy as a millennial in 2025, I think the answer is clear, if dystopian: Human capital.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

The following breakdown uses 2023 wealth data. Millennials are an interesting generation, because we usually discuss our avocado-toast-eating brethren as an economic monolith. We (mistakenly) assume all millennials are experiencing relatively similar economic hardships.  But there\u2019s one group of millennials\u2014a small, unique subset with specific similarities worth exploring\u2014that are actually doing a lot better than […]<\/p>\n","protected":false},"author":178814,"featured_media":2406,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-income.php","format":"standard","meta":{"footnotes":""},"categories":[12,37,36],"tags":[40,61],"class_list":["post-572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy","category-financial-independence","category-spending-and-saving","tag-income","tag-popular-income"],"yoast_head":"\nWho\u2019s in the \u201cMillennial 1%\u201d\u2014and How Did They Get There? - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/whos-in-the-millennial-1-percent\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Who\u2019s in the \u201cMillennial 1%\u201d\u2014and How Did They Get There? - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"The following breakdown uses 2023 wealth data. 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