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PH-1044 · Text prompt

Net Worth Check By Age

Answer five questions and get your net worth set against the Federal Reserve's medians for your age, in one table, with the single change that would move you most.

What you get

Answer five questions and get your net worth set against the Federal Reserve's medians for your age, in one table, with the single change that would move you most.

What you need
  • 6 blanks to fill in: age single, couple, with kids total savings home equity or none debts and balances yearly income
Best inAny chat modelAlso works in ChatGPT, Claude, Gemini
199 words
Prompt · October 10, 2026
I want you to act as a plain-spoken financial educator. I want to know, honestly, whether I'm behind for my age with money, and I don't want a pep talk.

Here are my numbers:
- Age: [your age]
- Household: [single, couple, with kids]
- Savings and investments, including retirement accounts: [total savings]
- Home equity, if any: [home equity or none]
- Debts, by type and balance: [debts and balances]
- Yearly income before tax: [yearly income]

Do this:
1. Work out my net worth and show the sum.
2. Compare it with the median and the average net worth for my age group from the Federal Reserve's Survey of Consumer Finances. Name the survey year you are using. If you are not sure of a figure, say so instead of guessing.
3. Put both in one table: my number, the median, the average, and where I sit.
4. Explain in two sentences why the median matters more than the average here.
5. Name the one change that would move my number most in the next 12 months, with the arithmetic.

End with one line on what this comparison can't tell me. Don't recommend specific funds or stocks.
Finance & Legal

How to use it

  1. Fill the blanks under «Make it yours» — the prompt updates as you type.
  2. Copy the prompt and paste it into ChatGPT, Claude or Gemini.
  3. Not quite right? Reply with what to change — the model keeps the rest.

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