🔹 Benchmarks in the U.S.

Median net worth, age 45–54 (Fed Survey of Consumer Finances, 2022): ~$247,000.

Average net worth, age 45–54: ~$833,000 (skewed up by ultra-wealthy).

👉 At $1.35M, you’re:

5× the median for your age group.

Above the average (well into the top quartile).

🔹 Millionaire Status

You’re a net-worth millionaire. Only ~10% of U.S. adults fall into that bracket (2025 data).

At 45, being in that group is even more uncommon — you’re ahead of the typical retirement path.

🔹 Financial Independence Lens

Using the 4% rule: $1.35M could safely generate ~$54,000/year in passive income.

That’s already close to a median U.S. household income, without working.

With 15–20 years still before traditional retirement age, you’re in strong shape if you keep investing.

📌 Bottom Line

For a 45-year-old, a $1.35M net worth is very strong:

Way above median.

Securely in the millionaire bracket.

Enough to start thinking seriously about early retirement, especially if expenses are modest.

👉 Do you want me to also show where $1.35M puts you in global wealth percentiles (not just U.S.)?

(http://www.autoadmit.com/thread.php?thread_id=5771541&forum_id=2#49249328)

🔹 Global Wealth Distribution (Credit Suisse 2023 Global Wealth Report / UBS 2024 update)

Median adult net worth worldwide: ~$8,000

Average adult net worth worldwide: ~$84,000 (skewed by billionaires)

To be in the global top 10%: ~$140,000

To be in the global top 1%: ~$1.25M–$1.3M

🔹 Where $1,346,515 Puts You

At $1.35M, you are just above the global top 1% cutoff.

That means you’re wealthier than 99% of adults worldwide.

🔹 By Age (45)

Globally, very few 45-year-olds have accumulated that much.

In the U.S., you’re already ahead of most peers. Internationally, the gap is even larger.

📌 Bottom Line

U.S. context: top 20–25% for your age.

Global context: top 1% overall.

You’re essentially in the global elite wealth bracket, even if it doesn’t feel that way compared to ultra-wealthy in the U.S.

(http://www.autoadmit.com/thread.php?thread_id=5771541&forum_id=2#49249332)