How much should you save by each age?
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- čas přidán 12. 10. 2021
- The internet is full of videos with people telling you that you need X amount saved by a certain age.... I think these videos are depressing!!! So today we will explore the national averages and expert wisdom to figure out if there is a correct amount to save and have saved by each age that will not send us under.
We will look at:
The national average saving rate for each age
The average amount each age group have saved
What the experts say we should have saved
What I think is the approach.
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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@@rachealhubert74 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@rachealhubert74 I will give this a look, thanks a bunch for sharing.
Yes, she is a delectable advisor who will make you a queens ransom. There will be a joyous pot of pension gold from her blessings. She is Nigeria good woman 👍
@@OliverDesvauxdeMarigny-kq3cb Alice Marie Coraggio , lookup with her name online.
These are scam bots, ignore them
Oh my giddy giddy gosh, you are *crushing* this whole CZcams thing ! One of the most uplifting videos I've ever watched on this topic. Keep up the good work lad!
Yes! What feedback that is. I was worried I would be cringe or cheesy so this is music to my ears. Thank you Nick
Mate this is why I only watch you in terms of investing and money! You realise that all of us have different circumstances. I had my first job at 25 and I'm 30 now, live with my single mum who can't work and I've got less than £500 saved but most of that is MY fault as I didn't have the financial education which I do now thanks to people like you. So I'm 30 now and I'm starting again, sometimes I feel like I've wasted the last 5 years but we live and learn..
You sound like a hero to me mate. Supporting someone else and their child/children.
Honestly in 10 years you will look back and realise how young you still are. No time is wasted, it got you to where you are right now.. A person who understands what they need to do to make their life better.
Set yourself a realistic financial goal that allows you to live your life still and have fun and then work towards it. In another 5 years you will be amazed at how far you have gone! You have your best earning years ahead of you. you are going to smash it mate ☺
@@DamienTalksMoney Appreciate you mate, agree with everything you've said! Made me feel better after the past few months. Though I meant looking after my single mum haha..
Keep doing what you're doing mate, you're changing a lot of lives as I teach my sister what I learn from you.
@@ssxngh7983 even better mate! She put you here now you are taking care of her.
@@DamienTalksMoney agreed mate!
Keep going
That clip of a man eating bricks makes my teeth hurt..
i watched "my weird addiction" and some woman carried rocks around and nibbled on them as a snack
My mum ate clay and soil when pregnant, apparently its the minerals that causes cravings. Weird
@@felixveja8154 how did your mum know the minerals were in the clay that’s what I want to know
@@DamienTalksMoney I asked her and she (rightly) got all feminist on me and told me to carry a child for 9 months and give birth and then I would find out 🤔
DTM charity fund raising event where you eat a brick and we all chip in a fiver? 🤣
People need to start talking about money in the UK. It's nothing to be ashamed of and you learn a lot in return. What a banger, Damo!
I couldn’t agree with this comment more mate!! So many issues could be solved if everyone just felt comfortable enough to talk about money in healthy and open way.
@@DM-ip7bg well, I agree on the possibility of people reacting in severe ways but that should not be the case generally as we all know who the richest people are. Not talking about money can affect your family, your partner or your close ones. You don't want your mistakes to jeopardise their financial future. Hence, I feel that it's important to know where you stand to protect your finances.
@@DM-ip7bg - You’re taking talking about money to mean people saying how much they have - I take it to mean discussions on what money actually is, and learning how to use it as a tool to create wealth. These are two completely different things - the truth is most people simply don’t understand how to use money, and how to make it work for them.
I think having finance/investing as a subject in schools would be a superb thing. Young people can learn how to invest money at an early age, and why it's important. I was always so scared of investing myself, and only started at 36. Better late than never, I guess.
@@wagondragon - I 100% agree, I'm now 59 but knew absolutely nothing about investing until I was 30-31 and my extended family is still totally ambivalent to it even though I've been trying to convince them to start for years.
Investing has changed my life, its a essential skill that everyone NEEDS to learn.
Honestly one of the best youtube videos I've watched. Your compassion, care and genuineness really comes through. We need more people with an attitude like yours on the internet Damien!
What a compliment this is! Thank you so much and sorry for the delay in my reply.
Wonderfully empathetic and spot on. Love humourous clips, and especially the way you don't waste our time with waffle but get straight to the point. Outstanding!
Great video! I am almost 60 and left my job which was draining the life out of me two years ago. I did NOT have the Fidelity box numbers or any of the other 'expert' savings amounts. What almost none of these experts discuss is how much you spend. They all say to 'maintain' your current lifestyle but looking at my parents who retired early as well, all their expenses have gone down. We budget to keep the household running and always extra for big family vacations. Budgeting and keeping track of spending will help so many people realize they can leave a job that is draining them and find something they really want to do. Keep up the great content!!
Great video Damo. I am one of those late starters you spoke about, turned 40 this year and only just started paying attention to this sort of stuff. And it is exactly as you said, watching CZcams and reading these articles in the beginning did make me feel like I'd left it too late and my efforts were now pointless.
But then I thought there is no cookie cutter, one size fits all template and started anyway. It's better to start late than not start at all. Just save as much as you can when you can.
Keep up the good content buddy.
You have the advantage of a wiser head on your shoulders, most who start in their 20s waste it all by chasing stupid gains instead of consistently investing in low cost well diversified options.
I bet you give it ten years of consistency you will be ahead of 70% of people your age.
@@DamienTalksMoney I did that for like a month when I first started. Gamestop being on the list of stupid investments and jumping into crypto without really understanding what it was about.
Once I'd calmed down, learned a bit more patience and realised I wasn't going to be able to retire in a year a multi millionaire, I sold the stupid investments when I could turn a bit of profit and invested all that back into more sensible stuff.
Don't get me wrong. I have still got some silly stuff. I bought a bunch of Shiba Inu with money I got for my birthday in May, just for a laugh and because I could get millions of them. Turns out that wasn't such a stupid idea though 😂
Came for advice... stayed for the pep talk
This is the channel I really needed to find! Just watched all of your videos and have found them immensely insightful and helpful!
Thank you so much for watching the videos!
I started my investing journey as I have worked full time since the age of 16 and have no higher education so it became increasingly important for me to try and build some sort of wealth for the future, so started to take advantage of a very good works pension scheme and opened a S&S isa and also began to save. I am 23 this year and have 10k in my works pension, 2k in my S&S isa and over 7k in savings I am incredibly proud of how things are currently going and am just so glad that I picked up all of this knowledge when I did at a youngish age, now I cant advise my friends and everyone else my age enough on how important it is to do the same.
That’s amazing, fair play for getting the ball rolling from the literal get go. Keep it up
I only came across your channel recently but I'm really impressed by the quality of your content. Sensible, accessible financial content that I hope gets seen by a many people as possible.
Keep it up, I expect to see your views and subscribers increase massively over time.
Fantastic video man! You’re killing it here on CZcams 😎 Some very well needed points brought up, fair play 🤝
Fantastic video Damo. Comparison really is the thief of joy, and the thing is there’s ALWAYS going to be someone doing better and worse than you. If anything, take comfort in knowing this. Work on your own goals and do you. Like you say, compete with yourself and how you were performing last year - I believe that is key! And yes, you hear it a lot but it is absolutely true - no one will care more about your finances than YOU. 👏 👌 great job!
This was really insightful. I've seen loads of same style videos and always thought they made no sense. First video I've seen which actually talks sense! Great video as always 🙂
Yes! Perfect feedback. I fancied putting a fresh spin on the topic as I found a lot of the others very unattainable and disheartening.
This is a great video mam and the start I feel is a much needed dose of reality that we all know I think but always good to hear again, and especially from a trusted platform like yourself. Great work dude
Thank you mate! I needed to hear it myself.. I use all those apps and compare in all the ways i discuss, apart from the urinals of course... ha
Educational, inspirational & funny all in equal measure... You should have 10 times the followers you do bud, keep going...
Great video, mate.That acknowledgement that everyone of us is different, living with a unique set of circumstances, is gold and it help make people think for themselves. Orthodoxies are great in a perfect world, but how many of us have that experience? I didn't. I was doing ok for a late bloomer in my 50s, but with the economy in the sh*tter, I cashed-out of my S&S ISA and paid off the house and got my two-year emergency fund set aside. Now I'll be saving 75% of my take-home straight into the S&S ISA again - going balls out. Anyway, keep doing what you do, brother. You are absolutely essential viewing. Love it!
Love this comment and your thoughts! Thank you so much Iain. Also 75% saving rate and a paid off mortgage, epic!! Well done
Definitely the best one of your videos I've watched to date. Thank you for the no nonsense presentation of facts. Brilliant.
Thank you so much mate! Excellent feedback this.
This is so refreshing after the crap I have watched online about this 🙌🏻 This video is exactly why I have notifications on for your channel, thank you!
Love this, Notification gang! Glad you liked my take on the topic.
The most honest video I’ve seen in regards to finance. Thank you for this, I needed to hear this!
You, young man, are an absolute god send.
Love your rational, no bullshit presentations. Thankyou
What a great comment thank you so much for this feedback!
I was one of those that watched the other videos and felt worried as I was miles off where I was supposed to be. I still have a lot of work to do as the big 40 looms but working on it. We should be teaching money and investing in schools. Thanks for a genuine and honest video.
Bill Gates said - Most people overestimate what they can do in one year and underestimate what they can do in ten years.
If you save consistently by the time big 50 is on the horizon you will be in a great place!
@@DamienTalksMoney Yes I could be in a much worse situation. I am going to build on the progress I have made. Thanks for the inspiration and videos.
Damien thank you for being authentic. You are literally one of the only people that I have found making videos about the reality of money.
This video has popped up for me loads because I watch quite a lot of finance videos, but I've been avoiding it because I hold the views that you shared. Happy to see that you're not giving out whatever numbers and taking into account the individual.
Thank you! I know this topic is completely overdone and that is why i wanted to put a fresher spin on it because I am sick of people saying you need X by this age.
Thank you for giving my channel a chance and for watching the video all the way through!
One of your best videos Damien, because it will hopefully get people thinking sooner than later about their finances and have a real positive impact for them. More people need to like and subscribe and watch your videos. I'll be introducing some of my younger family members to this channel in the hope they take notice and educate themselves about their financial future and so set their own goals. I'm in my 30s and have really ramped up my financial plan for my future but I wish I knew what I do now 10 years ago. Education is key and you're doing a great job getting the message out.
Thank you so much! Love this comment, when you look back at your 20s the answer seems so obvious doesn’t it, just tuck away a little bit each month and you will set yourself up! But following that advice is so hard. Hopefully you can get through to the younger members of your family
Refreshing to have sound advice on this, you're smashing it mate 🙌
Bang on about setting your own goals. And although saving is a long term thing, making small, incremental changes to my lifestyle helped me realize noticeable gains on a regular basis over the short term. Saving then became part of my lifestyle - a habit, which for me, is the key. Nice one.
Spot on! If you form a saving habit then you are onto a winner. It is the first thing I do when I earn money now and it feels like having a shower. Weird if I do not do it.
@@DamienTalksMoney you should just degen it all into solana 🤣
This....is why I love your channel. Thanks mate!
Amazing comment! Thank you
Great work as always mate. Im a huge believer in this mindset of bettering yourself day by day, month by month etc, I couldn't agree any more! Im bored of the standard 95% of CZcamsrs churning out the same bollocks but adding a different thumbnail to entice you in. Another factual, accurate and entertaining piece of content from you once again.. Smashing it as always, have a great day bro!
Thank you so much mate! I always want to try and do it a little different and like you I think mindset is by far the most important thing when it comes to developing yourself and your finances. Really appreciate this support mate, have a great sunday!
Absolutely fantastic video on this subject mate, keepin it real. Thank you ❤
Damo mate, your videos hit right, every time! You deserved the like button in the first minute. Your content is original and clever. Another great one.
Thank you so much mate. Excellent feedback
Another brilliant video Damien! You are a genuine honest chap, and for that reason your channel will explode soon,, you can see me as an early investor (subscriber) to your Channel.
Another blinder of a video there. Both honest and encouraging, cheers Damien, huge fan.
Thank you Antoine! Really appreciate you watching and dropping a comment like this
Awesome Damo! Screw these numbers! Set up your own goals and do not compare. Comparison is the thief of joy! I am going to put these up on the wall.
I was listening,
I am listening,
And I will be listening to the guy on the internet who is making videos in his loft, who I never meet, yet! But this guy helped me a lot!
Thanks for that Damo!
This is really good content, i like the way you point out the issues that exist with the information we get.
Great video ! Felt quite comforting that I’m at least doing “ok”. When everyone around me feels like they’re doing better. Sometimes we need the reminder that most of what we see out there is just made up!
Completely made up mate! The reality of it is if you are not in credit card debt and have a quid in your pocket you are richer than 1/3 of the country. If you have a few Gs in your ISA you are in the top 50%... All the nonsense online making everyone feel poor is BS with a course attached..
Actually in awe of this video, such a game changer in the current trend of forcing numbers and statistics down people's throats. Nice one mate!
Amazing feedback thank you so much!
Amazing channel and what a genuine guy! Couldn’t have subscribed any faster 🚀
Thank you so much and welcome to the channel!
Thank you Damien again for all the hard work that you put n your videos they really inspire me.
You are so welcome! Thank you for watching them
I'm over 40 and still quite new to all this.
I'm just sad i could not do it earlier.
But as you wisely said, I am the one setting my targets.
You're wise. Your mom should be proud! :)
Mint video! The averages are so skewed and it's so important to stop comparing yourself and just do you. It's good to have set goals/amounts to aim for but anything is better than most looking at those stats!
Exactly Hannah! Couldn't have said it better myself
Awesome video! As a young person who turned 18 this year this stuff was interesting and very informative.
Thanks! Amazing you are looking at this stuff already. you will do great!
Best video of yours I've watched to date. Well done! You should be proud.
Thank you for this feedback mate! Just made my morning.
Such a refreshing take and I love the humor, thank you!
Thank you so much!
It's a scary subject.
I remember sitting in Pret over 3 years ago researching this question at 30 years old.
My advice to anyone who cares is just start, no matter how small the amount. Be ambitious and positive. Try and increase your income.
Have your own goals and work steadily towards them because you'll look back as I am today and be proud and a bit shocked at how much you can achieve in a fairly short amount of time.
Be ambitious and positive! Put that on a t shirt great quote and attitude. Thank you mate
hey mate - 2nd video i watched today having just found / subbed, really like your perspective and uplifting / empowering tone, keep it up!!
Thank you mate! Welcome to the channel and thanks for dropping a comment
love the humor, this is brilliant. SHARING THIS!
Thank you so much mate. Really appreciate you sharing the video
Great useful and relevant video cheers love. covid and our house purchase put us back massively ive had to pause all investment which is crap we keep finding things that need doing in the house so it's gonna be a while before we can start again so this was a very reassuring xx
Honestly man we needed this video so thanks
Wasn’t ever a big fan of the fidelity study as I’m trying to retire earlier than average so it never meant anything to me
But this vid was just so uplifting and needs to be heard by others
Thank you mate! So glad you liked it. I always thought the assumption we all want to retire at 67 was a bit annoying..
@@DamienTalksMoney Yeah just a bit annoying haha
Love this! Finally some HONEST motivational financial advice 👏👏👏
Thank you so much Mike!
Really enjoyed this one. Love it when realism and optimism can co-exist
Exactly what I want from the channel! There is zero reason why people can't feel good about their finances.
Yes yes somebody on CZcams talking a lot of sense. Never really thought about bloggers making fake videos saying they have more when they don’t, basically making you feel bad about your achievements and them feeling good about there fake achievement. Great video thanks keep on coming👏🏾👊🏽👍🏾💷
Thank you so much!
Awesome video Damian. You come across so well and genuine in these videos.
Thanks Jack mate! Amazing feedback, Have a lovely Sunday
Damn, you have earned a sub. I like the way you break things down.
Just stumbled across your videos, this and the cliff climbing one. Great content. The key is you're in a race with yourself only. Don't compare yourself with anyone else. Secondly live below your means. Get a raise? Great! Don't upgrade your life, save the money! You'll see your savings grow and grow. Others might laugh at you living in a dump or driving a bomb but who cares. Delayed gratification and buying for cash is better financially and more rewarding emotionally than maxing out those credit cards for a new car to post on Instagram. Finally the best investment you can make is firstly eliminating debt (student loans, credit, mortgages) then maximise cash savings to then allocate to diversified assets such as property, stocks, bonds, cash and gold.
I quoted that Fidelity research in one of my videos but I actually think your point here is spot on... you have to run your own race and that's the most important thing. Especially as it can be demotivating for many to use quite literally 'rule of thumb' 🙃 comparisons. Nice one man. Solid message and completely agree 👍
Thank you buddy as always so reassuring for someone of your background and knowledge to give me the nod. Working my way through your book recommendations at the min.
@@DamienTalksMoney cheers man, factor based investing is a really good one.
@@PrinciplesPersonalFinance Yeah it is the one i am reading at the moment.
You killed this topic dude!!!! Wise words from young man. Hopefully you will influence more people to think independently and don't follow trends like tunas.
Great vid. Thanks!
I am one of those 45 year olds you speak of 😂 didn't realise I was such a savings/investments age group cliche until today. Keep up the good work 👍
Another great video 👍🏻 thank you for content and down to earth presentation.
You as always are very welcome!
Yes. This was needed Damien. Thank goodness you are talking about it.
I remember, after the pandemic started, and everyone was suddenly advising to invest in this and that, it left many many older people feel like complete idiots, because they didn't start saving/investing enough early on. (I'm in my early 30's, and even I felt like it for a certain period of time).
Many people have many choices/circumstances, like being married early, having kids early etc, which makes them happy. Not saying money isn't important, but some advice saying, you should remain single as much as possible, have kids later on, doesn't make sense to those whose happiness is more dependent on family etc rather than money.
Just saying some people place more importance of money, some on family, some on dreams... All are valid.. no one is wrong, no one is right. Be content with whatever is made.
Like they say in the gym (which you stated in the end), don't compare your body with other athletes in the gym, compare yourself to your past.. same applies to our personal finance.
Cheers Damien. Keep up the good work. Hopefully can meet you when I come to the UK 🙂
Thank you for this, couldn’t agree more! I had my son at 25 many would say this is young. But I’ll still be cool enough to take him for a beer when he turns 18 lol
Thank you, great video!!!
Another well explained video using "expert" data and then a good dose of reality. As you say Damo the key thing is to do something and save what you can when you can.
Life is for living and not constantly worrying about getting to 67 and having a pot of cash to live off until you check out. We have to hope we reach that point in life but can't not live for today too.
Nice fresh perspective. Although, I would say sometimes people like to be given a framework and i e found Dave Ramsay gives a great one to start with, particularly if youre in debt.
Keep up the good work.
Dude another great video. Just want to say you are absolutely smashing it atm. Super proud of you, have been following you since 2k subs. Onwards and upwards!
You have been here since the beginning mate thank you so so much. Just happy I can keep you entertained that long!
Great video with the key lesson to focus on yourself. As somebody with a Fidelity pension this is spot on. Make the most of pretax and company benefits and plot your own path. Can't wait for Damien to use the word discombobulate in his next video 😀
From the day I subscribed to your channel I knew you're good at what you're doing.
Haha still feel like I don't know what I am doing.
I didn't start heavily saving and investing until I was 25. Went from a negative networth of -$2K to $50,000 at 28 years old.
Learning finance, margins, spending, investing habits on CZcams taught me alot.
Guys like you keep me on track
Too slow bro, I only started at 19 and got 200k saved by working at McDonalds by the time I was 21.
@@anabolic8097 is that all? I had 500k saved up by 14 just by running a lemonade stand
This video was abseloute class and such a good video that I can show friends, very underrated
Yes Callum! What a legend, thank you for sharing my content mate
Damo absolutely slam dunking on some of the biggest finance channel names on CZcams, effortlessly - best take on this topic I've seen
SWISH SWISH!
Thank you so much Mark. I think through no fault of their own some of the biggest in the game have forgotten how most live so the content on this topic can seem well out of touch with what is achievable
You absolutely nailed it! Well done mate
Thank you so much mate!
Super video mate, always set you own goals and youre in control. Super message mate
Exactly this lad! Thank you as always for stopping by
Great video Damo, there is certainly no one size fits all in finances. In my day job I see people from both ends of the spectrum and if anythings for certain for a lot of people wealth certainly don't trickle down.
What a great explanation of the difference betwen the mean and the median and why the median is more important in this context!
Another impressive video showing your talent of finding and dissecting knowledge shines above the other investing CZcamsrs.
Thank you so much! Loving your comments recently.
Killin it with these vids man! 🔥💪
Thank you mate!
Really great approach, thx for sharing with us 🤙
You are very welcome mate
Smashed it as always! Thanks mate
Thanks lad!
GREAT video!!! Thanks !!!
This was exactly the question in my mind recently. I had a late start in life because I had to be a carer for my sick mother, and I feel like I will never have my head above water. With a tiny pension, no home, and little savings I cannot even fathom being able to afford having a child one day.
You will get there! Just got to start saving what you can consistently and honestly you will surprise yourself at how far you can get
Nancy, from one woman to another who has put her mum first, you will get there! And you will NEVER regret the time you spent with her! No regrets! So start saving now- I watch The Frugal queen in France too, as a woman, she gives me practical tips where to save on a daily basis. I haven’t bought anything new since April 2008. I am an eco warrior, I don’t want to leave a massive carbon footprint! So I shop in Charity shops! I don’t squander, I have like minded friends, we are proud to be frugal! So don’t fret, you are on the right path and will get to your goals sooner than you think.
this is very uplifting video 👍🏻especially when times are going to get difficult again
Amazing feedback! Thank you
Wow! Amazing content. This is what we call CONTENT!! Cheers
Thank you so much!
We need more people like you. Fan from South Africa
Another great video Damo and you are completely on point with your message. It is crazy how low the savings rate is in this country and you can very easily see pensions and retirement becoming the crisis of our generation. It’s through videos like this and better financial education in schools where people can become better informed around money, savings and investments.
I 100% can see it becoming a crisis! I will do my part to wake people up to the risks as we really cannot rely on work and state pension schemes.
Just class mate - as a young 50 yr old i especially appreciated this! Cheers Damien 👍
Thank you so much! Glad you liked it
Great advice Damo and loving your vids as always. Also good to see your little brother has started a YT channel over at Making Tax Simple 😄
Just went and checked out his channel. He does have a look of me! haha
Knew I’d agree with your conclusion Damo. Keep ‘em coming big man.
Good to hear mate! Thank you so much for watching till the end
You are different class mate … top notch content as always
Mate such a nice comment. Thank you so much
Bit late to the party on this one but another brilliant video. Consistently producing amazing content👏
Great video as always! Have you thought about live sessions to get people talking about money?
Great video mate. Keep up the work!!
Thank you!
Hey bro, my mate recommended your channel. Really good videos, both informational and funny 😄
Yes mate!! Thanks for stopping by and dropping a comment and tell your mate he is a legend for telling people to watch the channel
Not only is my financial knowledge improving with every video but so is my musical knowledge!
Enjoyed your take on this one, great vid!
Thanks mate! i see you have gained another 15 subs!! Flying now, well done
Love this video and love your opinions. Your grounded brother, stay humble. We all just need to stick to our own lane and enjoy life.
@@H.I.T.E.N. exactly hiten mate!
Jesus, I have no idea why I high jacked this fellas comment instead of just posting on my own. Loll
Really good video especially to those who are obsessed with what they see on social media of people living a ‘lavish’ life in their mid 20s
Thank you so much!
Thank you 🙏🏻 for this video
You’re welcome 😊
Amazing video! Simply outstanding!
Thank you so much! Lovely feedback
Really informative Damo. Too many people don’t start planning because they think it’s already too late thanks to all that stuff out there about income multiples, but as I once heard said… ‘Don’t compare your beginning to someone else’s middle’.
Thanks for watching mate!
Great video. Makes so much sense to look at your own situation than comparing it to others. Its the world we live in though
Indeed it is! Feels like everything is a measuring contest now and all we get is images of beautiful rich people constantly..
Get off Instagram mate
@@manckid7795 no worries. I'll get off it right now. What a tip.
@@kulvindersingh-gt4ji 😂it’s true though bro, this flex culture is killing folk