You're In The Top 1% Of Gen X If Your Net Worth Is Above This Number

Your net worth represents a metric of your financial health, which is why periodically calculating your net worth can help you plan for the future. Net worth is calculated by subtracting your debts or liabilities from the total value of your assets. Your assets include things like cash, savings, investments, retirement accounts, and real estate. Meanwhile, your liabilities include things like a mortgage loan, credit cards, student loans, or other debts. While you don't need to include everything you own into a net worth calculation, knowing how your net worth compares to others can provide a benchmark for assessing your finances and adjusting any goals and strategies.

If you're curious as to how you stack up with other Gen Xers — those born between 1965 and 1980 – the 2022 Federal Reserve Survey of Consumer Finances found that the generation's median net worth ranged from $247,200 to $364,500. At the high end, DQYDJ's analysis found that the top 1% had an average net worth of $7.83 million for those aged 40 to 44 in 2022, $8.7 million for those aged 45 to 49, and $13.23 million for those aged 50 to 54. Those aged 55 to 59 had the highest net worth of any age group featuring Gen Xers at the time, at $15,371,684, however Gen X only occupied part of this age group at the time.

Although Gen X is often considered the forgotten generation, it has amassed $52.7 trillion in assets, the second most of any age group, according to Q4 2025 data from the Federal Reserve – behind only baby boomers with $98.39 trillion. The highest concentration of assets for wealthy Gen Xers are predominantly across three assets: 27% in real estate, 24% in equities and mutual funds, and 13% in defined contribution plans for retirement. 

On the other hand, Gen X also has the second-highest amount of debt with $6.9 trillion, second only to Millennials with $8.28 trillion, per the Federal Reserve. However, there's a difference between good debt and bad debt, and much of Gen X's liabilities are the former. So, while Gen X has 59.7% more debt than baby boomers, 74% of that is in home mortgages. With $5.08 trillion in mortgage debt, Gen Xers have the opportunity to significantly increase their net worth over the next several decades as they pay down these loans and grow their equity.