Wealth Assessment for High Earners

You made good money last year.
How much did you actually keep?

Not as income. As wealth. Most high earners can't answer that question — and the gap between what you earn and what you build is larger than you think.

  • ✓Your full net worth consolidated — savings, equity, retirement, property
  • ✓Your actual savings rate and income-to-wealth ratio, benchmarked against peers at your exact income tier
  • ✓Which tax-deferred vehicles you're not using — and what they'd cost you over 10 years

Four questions. One number that tells you if you're ahead or behind.

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$340K
Average wealth gap behind peers for professionals earning $250K+
Fed SCF 2022
7 years
Earlier retirement for high earners who maximize tax-advantaged accounts
Vanguard 2023
68%
Of high-income households have never calculated their savings rate
TIAA Institute 2022
From the NettWorth Research Library
The Wealth Gap
The Wealth Gap
Why the top 5% of earners aren't in the top 5% of wealth-builders — and the three structural causes.
The Burnout Number
The Burnout Number
The specific number that separates "I have to work" from "I choose to work" — and how to calculate yours.
The High Earner Tax Stack
The High Earner Tax Stack
The ordered sequence of tax-advantaged moves every high earner should exhaust before touching taxable accounts.

Working across borders?

H-1B, green card, or living abroad — the HENRY picture is different when you have accounts in two countries.

FBAR, PFIC exposure on Indian mutual funds, RSU sourcing across a border, 401K decisions for uncertain timelines. There's a separate assessment built for that complexity.

Cross-Border Assessment →
Questions & Answers

What is a good wealth-to-income ratio for a high earner?

For professionals earning $200K–$400K, the Federal Reserve Survey of Consumer Finances (2022) shows a median wealth-to-income ratio of 3.5–5× at ages 35–45. If your ratio is below 2×, you're accumulating wealth significantly slower than your peers — typically not from insufficient income, but from savings rate and tax efficiency gaps.

Why do high earners often have lower-than-expected net worth?

Three structural reasons: lifestyle spending scales with income rather than lagging it; complex compensation (equity, deferred comp, bonuses) makes true savings rate calculation opaque; and most financial tools aren't built for income complexity above $200K. The result is high earnings with underbuilt wealth — a gap that only becomes visible when you benchmark against peers.

How do I know if I'm building wealth fast enough on a $300K+ salary?

The standard benchmark is 4× your annual income in net assets by age 40. At $300K income, that's $1.2M by 40. Most high earners fall short not from insufficient income but from three fixable problems: a spending baseline that grew with every raise, insufficient use of tax-advantaged accounts, and no wealth-to-income ratio target to work toward.