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How Much Money Should I Have Saved by 25?

By Matthew Frankel, CFPUpdated Dec 11, 2025 at 11:45 AM

Key Points

  • By age 25, the average American should ideally have $20,000 saved.
  • Financial experts suggest saving 15%-20% of income for future needs.
  • Factors like income, job duration, and goals affect ideal savings levels.

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