@lain @animeirl It isn't really a *should be*. Your net worth depends on the opportunities you get, the choices you make, and the things imposed externally. Only one of those is in your control.

That said, your choices (which job offer to take; when to leave one job and seek another; whether and when to start a business; consumption versus investment; which specific investments at what time; home ownership versus renting; which areas you live in; whether to have relationships of any kind and whom you have them with) can still have a huge effect.

If you spoke to a financial advisor, they'd likely tell you you're behind where you should be unless you got everything just right since your 18th birthday.