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How much $ does the typical person have liquid?

Cash, brokerage account, whatever.
red excitant stage
  05/24/26
2/3 of Americans live paycheck to paycheck so the median per...
Cowardly Dark Wagecucks
  05/24/26
Literally not a few bucks in his or her pocket?
red excitant stage
  05/24/26
For every moment they have $40 cash on them, there's another...
Cowardly Dark Wagecucks
  05/24/26
Even Steven
Sienna pea-brained really tough guy tank
  05/24/26
like $200-$500 not even joking
cocky brethren liquid oxygen
  05/24/26
You can't ask about the "typical person" in 2026. ...
Erotic filthy space striped hyena
  05/24/26
yeah every Scumbag has a maxed out Credit One with late fees...
mauve learning disabled crackhouse
  05/24/26
With VHCOL that’s like 6 months imo
Erotic filthy space striped hyena
  05/24/26
i'm aware which is why I only buy stocks and indie games
mauve learning disabled crackhouse
  05/24/26
Are you getting a 10th Gen Console
Erotic filthy space striped hyena
  05/24/26
you mean other than my decisive Switch 2 victory? hell yeah ...
mauve learning disabled crackhouse
  05/24/26
https://www.xoxohth.com/thread.php?thread_id=5868749&mc=...
Erotic filthy space striped hyena
  05/24/26
median checking account balance is several thousand dollars ...
nudist rusted bawdyhouse dingle berry
  05/24/26
I wonder what percent have a million+ liquid. Is it even 1%...
red excitant stage
  05/24/26
does liquid mean physical cash or depository account balance...
nudist rusted bawdyhouse dingle berry
  05/24/26
Physical cash, bank accounts, brokerage accounts, maybe Cryp...
red excitant stage
  05/24/26
What about my wife's pussy? I can convert that to cash
maroon talented resort
  05/24/26
it's very liquid
cordovan personal credit line house
  05/25/26
honestly i have like 1 bottle of juice and maybe some plant ...
ocher factory reset button son of senegal
  05/24/26
the concept of "liquid" is retarded. sure if ur mo...
plum electric boltzmann
  05/24/26
most people with stocks and bonds have them in roths and 401...
cordovan personal credit line house
  05/25/26
Stocks and bonds are considered liquid assets
razzle khaki heaven
  05/25/26
never heard this before, nigga
plum electric boltzmann
  05/25/26
You thought the term "liquid assets" referred only...
razzle khaki heaven
  05/26/26
TT thinks "liquid assets" refer to JUICE
glittery brunch
  05/27/26
Does it count as "liquid" if it is in a 401k or ot...
Coiffed base sandwich
  05/24/26
retirement is obviously not liquid wtf.
mauve learning disabled crackhouse
  05/24/26
Stocks and bonds are liquid assets so effectively the liquid...
razzle khaki heaven
  05/25/26
Maybe $800
Sienna pea-brained really tough guy tank
  05/24/26
Absolutely disgusted by the definitions of "liquidity&q...
Transparent big institution depressive
  05/24/26
It would be interesting to know what the typical household s...
Domesticated jet-lagged orchestra pit
  05/25/26
probably like $2-3k at most.
White hissy fit
  05/25/26
1st of the month, 5k 30th of the month, 1k
obsidian 180 locus
  05/25/26
few thousand, i reckon
lavender kitchen dragon
  05/25/26
Probably a couple million if you count bonds
misanthropic hateful address
  05/25/26
series EE don't count.
Copper principal's office pistol
  05/26/26
I think this is flame, you should count them at a discounted...
misanthropic hateful address
  05/27/26
(guy who just admitted to owning EE 'grandma' bonds)
Copper principal's office pistol
  05/27/26
AI Overview According to the Federal Reserve’s Survey...
Hairless sanctuary toaster
  05/27/26


Poast new message in this thread



Reply Favorite

Date: May 24th, 2026 2:19 PM
Author: red excitant stage

Cash, brokerage account, whatever.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898475)



Reply Favorite

Date: May 24th, 2026 2:26 PM
Author: Cowardly Dark Wagecucks

2/3 of Americans live paycheck to paycheck so the median person probably has around $0 liquid.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898494)



Reply Favorite

Date: May 24th, 2026 2:30 PM
Author: red excitant stage

Literally not a few bucks in his or her pocket?

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898496)



Reply Favorite

Date: May 24th, 2026 3:08 PM
Author: Cowardly Dark Wagecucks

For every moment they have $40 cash on them, there's another moment a different time in the month where they have <>nocash<> and are overdrawn by $40.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898563)



Reply Favorite

Date: May 24th, 2026 4:43 PM
Author: Sienna pea-brained really tough guy tank

Even Steven

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898685)



Reply Favorite

Date: May 24th, 2026 2:31 PM
Author: cocky brethren liquid oxygen

like $200-$500

not even joking

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898497)



Reply Favorite

Date: May 24th, 2026 2:33 PM
Author: Erotic filthy space striped hyena

You can't ask about the "typical person" in 2026. This isn't 1960. Be specific about which Caste you're talking about.

One single drop of Scum and they have nothing. it was already spent.

High Losers amass immense liquidity cushions because they know they're screwed/first to be laid off/most likely not getting tenure. A Loser who makes like 50k probably has 150k liquid in order to avoid Homelessness.

If Jocks/Preps ace OCI and get lifestyle creep then they might not be liquid even if their net worth dwarf yours (much like your height)

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898505)



Reply Favorite

Date: May 24th, 2026 4:07 PM
Author: mauve learning disabled crackhouse

yeah every Scumbag has a maxed out Credit One with late fees and accrued interest along with a truck loan at 22% interest and $1000k monthly payment, probably a Personal Loan for no fathomable reason too.

I am at about 90,000K liquidity atm tyvm.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898624)



Reply Favorite

Date: May 24th, 2026 4:41 PM
Author: Erotic filthy space striped hyena

With VHCOL that’s like 6 months imo

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898681)



Reply Favorite

Date: May 24th, 2026 5:24 PM
Author: mauve learning disabled crackhouse

i'm aware which is why I only buy stocks and indie games

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898770)



Reply Favorite

Date: May 24th, 2026 5:28 PM
Author: Erotic filthy space striped hyena

Are you getting a 10th Gen Console

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898774)



Reply Favorite

Date: May 24th, 2026 5:29 PM
Author: mauve learning disabled crackhouse

you mean other than my decisive Switch 2 victory? hell yeah I am.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898777)



Reply Favorite

Date: May 24th, 2026 6:06 PM
Author: Erotic filthy space striped hyena

https://www.xoxohth.com/thread.php?thread_id=5868749&mc=1&forum_id=2

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898827)



Reply Favorite

Date: May 24th, 2026 2:34 PM
Author: nudist rusted bawdyhouse dingle berry

median checking account balance is several thousand dollars and more than 90% of adults have a checking account

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898506)



Reply Favorite

Date: May 24th, 2026 3:22 PM
Author: red excitant stage

I wonder what percent have a million+ liquid. Is it even 1%?

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898583)



Reply Favorite

Date: May 24th, 2026 3:42 PM
Author: nudist rusted bawdyhouse dingle berry

does liquid mean physical cash or depository account balance? i doubt 1% have $1 million measured that way

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898591)



Reply Favorite

Date: May 24th, 2026 3:44 PM
Author: red excitant stage

Physical cash, bank accounts, brokerage accounts, maybe Crypto, maybe app shit like Venmo and CashApp. Basically money in a form that can be accessed within a few days.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898593)



Reply Favorite

Date: May 24th, 2026 5:29 PM
Author: maroon talented resort

What about my wife's pussy? I can convert that to cash

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898776)



Reply Favorite

Date: May 25th, 2026 8:16 AM
Author: cordovan personal credit line house

it's very liquid

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899658)



Reply Favorite

Date: May 24th, 2026 3:37 PM
Author: ocher factory reset button son of senegal

honestly i have like 1 bottle of juice and maybe some plant based milk at any given time so definitely less than 100 fl oz or approximately $6 - 8 dollars worth

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898589)



Reply Favorite

Date: May 24th, 2026 3:47 PM
Author: plum electric boltzmann

the concept of "liquid" is retarded. sure if ur money is tied in a home thats one thing but if its stocks and bond etfs u can pull that shit out in 2-3 days

but most amerishits dont even have stocks and bonds so real answer is prob somewhere between $500-5000

when i did shitlol most of my clients were mega broke and they werent even bottom 25%, like these furks were totally living paycheck to paycheck and on CC's, 90% of amerikkkans are furking retarded, the rest are NOWAG NOWIG or KIKE

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898596)



Reply Favorite

Date: May 25th, 2026 8:16 AM
Author: cordovan personal credit line house

most people with stocks and bonds have them in roths and 401s and can't pull them out without a big penalty.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899659)



Reply Favorite

Date: May 25th, 2026 8:21 AM
Author: razzle khaki heaven

Stocks and bonds are considered liquid assets

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899662)



Reply Favorite

Date: May 25th, 2026 2:05 PM
Author: plum electric boltzmann

never heard this before, nigga

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49900073)



Reply Favorite

Date: May 26th, 2026 10:47 AM
Author: razzle khaki heaven

You thought the term "liquid assets" referred only to cash or something?

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49901939)



Reply Favorite

Date: May 27th, 2026 10:14 AM
Author: glittery brunch

TT thinks "liquid assets" refer to JUICE

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49903745)



Reply Favorite

Date: May 24th, 2026 4:09 PM
Author: Coiffed base sandwich

Does it count as "liquid" if it is in a 401k or other retirement account? If I am willing to pay the tax and penalty on my retirement accounts, I have around $2M liquid. If not, then I have like $20k liquid.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898626)



Reply Favorite

Date: May 24th, 2026 4:11 PM
Author: mauve learning disabled crackhouse

retirement is obviously not liquid wtf.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898631)



Reply Favorite

Date: May 25th, 2026 8:23 AM
Author: razzle khaki heaven

Stocks and bonds are liquid assets so effectively the liquid worth of a retirement account is the current market value minus the theoretical penalty if you were to sell early

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899664)



Reply Favorite

Date: May 24th, 2026 4:42 PM
Author: Sienna pea-brained really tough guy tank

Maybe $800

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898684)



Reply Favorite

Date: May 24th, 2026 5:20 PM
Author: Transparent big institution depressive

Absolutely disgusted by the definitions of "liquidity" ITT

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49898757)



Reply Favorite

Date: May 25th, 2026 6:19 AM
Author: Domesticated jet-lagged orchestra pit

It would be interesting to know what the typical household situation is of 40 year old with a college degree living in large metro area.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899624)



Reply Favorite

Date: May 25th, 2026 8:23 AM
Author: White hissy fit

probably like $2-3k at most.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899665)



Reply Favorite

Date: May 25th, 2026 8:58 AM
Author: obsidian 180 locus

1st of the month, 5k

30th of the month, 1k

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899683)



Reply Favorite

Date: May 25th, 2026 9:16 AM
Author: lavender kitchen dragon

few thousand, i reckon

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899696)



Reply Favorite

Date: May 25th, 2026 9:35 AM
Author: misanthropic hateful address

Probably a couple million if you count bonds

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49899717)



Reply Favorite

Date: May 26th, 2026 10:52 AM
Author: Copper principal's office pistol

series EE don't count.

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49901954)



Reply Favorite

Date: May 27th, 2026 9:02 AM
Author: misanthropic hateful address

I think this is flame, you should count them at a discounted value

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49903688)



Reply Favorite

Date: May 27th, 2026 9:36 AM
Author: Copper principal's office pistol

(guy who just admitted to owning EE 'grandma' bonds)

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49903704)



Reply Favorite

Date: May 27th, 2026 10:37 AM
Author: Hairless sanctuary toaster

AI Overview

According to the Federal Reserve’s Survey of Consumer Finances, the average checking/transaction account balance in the U.S. is $16,891. However, because massive balances skew averages upward, median balances give a better representation of what most Americans actually hold.

The median transaction account balance by age group is as follows:

Age Group Median Balance

Under 35 $5,400

35–44 $7,500

45–54 $8,700

55–64 $8,000

65–74 $13,400

75 and older $10,000

Note: These figures include both checking and savings balances used for day-to-day transactions and do not include long-term investments like 401(k)s or IRAs.

For a closer look at the data, see the full report on the Investopedia Average U.S. Bank Balance Analysis.

The breakdown of average versus median net worth across different age groups is as follows:

Age Bracket Average Net Worth Median Net Worth

Under 35 $183,500 $39,000

35–44 $549,600 $135,600

45–54 $975,800 $247,200

55–64 $1.57 million $364,500

65–74 $1.79 million $410,000

75 and older $1.62 million $334,700

(http://www.autoadmit.com/thread.php?thread_id=5868748&forum_id=2)#49903765)