Shocking statistics about the financial situation of most Americans

Описание: Shocking statistics about the financial situation of most Americans
#averageretirementsavingsbyage #creditcarddebtstatistics2025 #potwallstreet #PersonalFinance #RetirementPlanning #MoneyStats #AverageAmericanFinances
The average American has $87,000 saved for retirement. Sounds decent... until you realize you need $1.26 MILLION to retire comfortably. And over half of Americans? They have $0 saved. Zero.

In this video, I break down the REAL financial statistics of the average American in 2025—and some of these numbers are going to shock you:

💰 The median income is $58,000/year (but take-home is only $42K-45K after taxes)
😱 54% of Americans have NOTHING saved for retirement
📉 Credit card debt averages $6,500 at 20%+ interest rates
💳 Americans are only saving 4.7% of their income (experts say you need 10-15%)
🏠 Average monthly expenses hit $6,440 ($77K/year)
📊 Average credit score dropped to 715 (lowest since Great Recession)

Whether you're ahead of the curve or falling behind, this video will show you EXACTLY where you stand—and what to do about it.

⏱️ TIMESTAMPS:
00:00:00 - Introduction
00:01:27 - Income Reality ($58K before taxes)
00:03:18 - The Retirement Crisis ($87K is NOT enough)
00:06:21 - Social Security Won't Save You ($2K/month)
00:08:01 - Monthly Expenses Breakdown ($6,440/month)
00:10:39 - Credit Score Warning (715 and dropping)
00:12:19 - Credit Card Debt Crisis ($6,500 average)
00:14:46 - Net Worth by Age (Are you on track?)
00:17:54 - Savings Rate Disaster (4.7% is too low)
00:19:54 - Retirement Age Reality (61 vs 67 gap)
00:21:44 - ACTION PLAN: How to Get Ahead

🎯 KEY TAKEAWAYS:
✅ Save MORE than 4.7% (even 1% increase compounds massively)
✅ Attack credit card debt at 20%+ interest FIRST
✅ Max out employer 401(k) match (it's FREE money)
✅ Increase retirement contributions 1% every year
✅ Build a $1,000 emergency fund ASAP

📊 SOURCES:
Bureau of Labor Statistics (2025 Income Data)
Federal Reserve Survey of Consumer Finances
Social Security Administration
Experian, FICO Credit Data
Federal Reserve Bank of New York

💬 Drop a comment: Which statistic shocked you the most?

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⚠️ DISCLAIMER: This video is for educational purposes only and should not be considered financial advice. Always consult with a qualified financial advisor for your specific situation.

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