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🚀 Tired of guessing with money? Join Money Coaching & get personal guidance to build your system in just 48 hours: https://iwt.com/moneycoaching-yt I’m breaking down the real 401(k) balances in 2025 by age—and showing you exactly what to do whether you’re behind, just starting, or already ahead. Based on Vanguard’s “How America Saves” report, you’ll see where you stand and how to grow your retirement faster. THIS VIDEO IS BROUGHT TO YOU BY ➡️ Facet | Facet is offering $300 into your brokerage account if you invest $5,000 within your first 90 days, plus the $250 enrollment fee will be waived for new annual members. This offer expires December 31, 2025. Head to https://facet.com/ramit to learn more about which membership option is best for you. 📍 START HERE * Money Coaching with Ramit: https://iwt.com/moneycoaching-yt * Conscious Spending Template: https://iwt.com/csp-youtube * 1st Chapter of I Will Teach You To Be Rich: https://iwt.com/chapter1-youtube 📈 INVEST * Why Net Worth Skyrockets After $100K: https://youtu.be/U1mcmB4oQU0 * Investment Calculator: https://iwt.com/investmentcalculator-yt * Retirement Calculator: https://iwt.com/retirementcalculator-yt * Vanguard’s “How America Saves” 2025 Report: https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/2025/has/2025_How_America_Saves.pdf 💸 EARN MORE * Negotiate Your Salary: https://youtu.be/KOr3sbYPAW4 * Find Your First Profitable Idea: https://iwt.com/findanidea-youtube * Earn1K | Earn $1,000+ on the side: https://iwt.com/earn1k-yt * Earnable | Start & grow your business: https://iwt.com/earnable-yt 💬 TALK CONFIDENTLY ABOUT MONEY * 1st Chapter of Money For Couples: https://iwt.com/mfcpreview-yt * Word-for-word Scripts for Couples: https://iwt.com/talktopartner-youtube * Get Confident with Money: https://iwt.com/mindset-yt 😊 ENJOY YOUR MONEY * 1st chapter of the IWT Journal: ​​https://iwt.com/ch1-journal-youtube * Find Your Rich Life Quiz: https://iwt.com/quiz-yt * Design Your Rich Life: https://iwt.com/design-rich-life-yt Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” Find Ramit on Instagram: https://www.instagram.com/ramit/ Subscribe so you don’t miss any of Ramit’s videos: https://youtube.com/user/ramitsethi/featured/ ⏩ CHAPTERS 00:00 Introduction 00:40 Your 20s: Time Is Your Secret Weapon 05:08 Your 30s: The Decade That Builds or Breaks Momentum 11:04 Your 40s: The Wealth Ramp-Up Years 15:13 Your 50s: Time to Get Real 19:02 Your 60s: The Final Stretch 22:42 Where Do You Stand?