America’s 1% Has Weight Classes Are You a Lightweight or a Heavy Weight?

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In boxing weight classes create fair competition. A heavyweight boxing a super fly weight is no sport. Business and self-employment are sports within commercial competition.

Within commercial competition fighters take shape in 1) Sole Proprietorship, 2) Single Member Limited Liability Company, 3) Multi Member Limited Liability Company, 4) Professional Sole Proprietors, 5) Professional Limited Liability Companies, 6) Small Corporation (closely held), 7) Large Private Corporation, 8) Public Company and 9) the Behemoth you see on the news (think AT&T, Spectrum, Disney).

Each one of our commercial competition fighters are owned by individual(s). We are here to discuss individual requirements of net worth. We cannot measure against commercial competition if discussing goals of individual wealth. Remember the goal of one percent (1%) is a personal goal not a company goal. I do not know any stack of papers looking to compete with another stack of papers.

People care about money whereas a company functions off money. The more you give it the more it does. The less you give it the less it does.

New entrants to competition often measure themselves against the “Behemoth”, “Public Company”, or “Large Private Company”. These organizations earn “millions” upon “millions” for their individual owners. These entities represent the top 1% of the 1%.

Unfortunately, most measure success against the .0001% of society only to enter depression for failing to cross the highest marker in documented earnings history.

Regardless of whatever entity you form (think the numbers 1–9) the goal is to individually build wealth. I know no businessperson who creates an empire to personally benefit nothing. We individually desire wealth so let’s understand weight classes of wealth.


According to DQYDJ the top one percent (1%) of income changes by age. Each age bracket has a different measure to enter the one percent (1%). Each age group in America has a different weight class. Below are numbers illustrating the differences, disparities, and changes of what it takes to enter the one percent (1%) by wealth.

With Home — With No Home

18–24: $977,348.20 — $939,682.28

25–29: $685,255.69 — $384,565.71

30–34: $922,445.16 — $730,793.54

35–39: $2,307,300.12 — $1,981,943.23

40–44: $2,864,334.14 — $2,593,198.67

45–49: $9,666,729.57 — $6,650,285.48

50–54: $14,746,583.81 — $13,761,137.50

55–59: $14,590,118.46 — $14,026,472.57

60–64: $16,161,058.98 — $13,418,073.59

65–69: $12,315,188.40 — $11,428,415.50

70–74: $11,673,570.56 — $10,042,082.91

75–79: $13,865,072.71 — $12,899,231.61

80+: $11,783,806.33 — $11,034,430.72

The median and averages of non-one percent (1%) illustrates a very interesting change in how wealth is held by the average American. Median means circling the middle of the age group’s numbers. The average includes everything (including the 1% skews).

Avg Median

18–24: $93,982.80 — $4,394.53

25–29: $39,565.88 — $8,971.58

30–34: $95,235.53 — $29,125.08

35–39: $257,581.86 — $40,666.52

40–44: $316,660.61 — $87,842.71

45–49: $599,194.17 — $105,717.43

50–54: $838,702.95 — $137,866.81

55–59: $1,150,037.78 — $168,044.19

60–64: $1,180,377.62 — $224,775.17

65–69: $1,056,483.97 — $209,575.26

70–74: $1,062,427.63 — $233,614.37

75–79: $1,097,415.06 — $242,699.75

80+: $1,039,818.04 — $270,904.40


Incredibly what we notice by each category is what it means to be “above average”. What it takes to be in the top fifty (50) percentile (%) is very achievable. Most new entrants are between 18–35. This is a broad age group. These age groups are the ones driving social media, creating brands and working for the Behemoth, Public Company, or Large Private Corporation.

You will notice the median net worth of this broad group (18–35) does not exceed $41,000. What is compelling about our age group of 18–35 is the average is less than $317,000.

In other words, if you have a net worth above forty-one thousand dollars ($41,000) you are in the top fifty percent of your weight class. If you exceed three hundred and seventeen thousand dollars ($317,000) you are above average. For those that forgot grade school grades a 3.0 or “B” is above average.

A three hundred and seventeen thousand dollars ($317,000) net worth means you score a “B” in society for net worth.

Before you turn 35 if you achieve an income in excess of seven hundred and thirty-one thousand dollars ($731,000) per annum…congratulations you have made it to the one percent (1%) by income.


The 18–24 age group is heavily skewed in the wrong direction. This is primarily because a good portion of people don’t work in that age group (think college). The high-income individuals that work are usually entertainers or sports players. This creates a heavily skewed net income dynamic because sports contracts are worth something.

Income after thirty-five (35) tends to soar. People who are hard-working, disciplined, and learn from their mistakes figure out how to make their failures the foundation of their success.

The same applies for the age bracket of forty-five and beyond. Wisdom is a powerful tool to amplify a well-rounded person.

Also remember the top one percent (1%) changes by age. Age is the weight class of wealth.


I had the privilege of being published in the Startup to reach many readers. In my previous Startup article I discussed the importance of working over 20 years to become a millionaire. The information in this article illustrates “time” is what creates “wealth” — not a single million dollar deal.

Income varies through life. Sustainable wealth is created by consistent practices. These consistent practices hold especially through the volatility of 18–35. Remember all it takes to be above average is a net worth of about $100,000 during 18–35. As you start up your journey to wealth remember to celebrate each milestone. Measure yourself against the proper weight class. Do not depress over a 70 year old’s accomplishments.

A 22-year-old will never compete with a 70-year-old if they are in the same commercial profession. Time is on the side of the elder. If the elder held the discipline I discussed in the Startup he’s probably a millionaire ten times over. Take this new found prospective and apply it to your weight class. More importantly follow me on Medium or subscribe to my newsletter to learn more insightful advice on how real life situations influence economies. Wealth is value not money. Money is always attracted to wealth.

To your knowledge success!


About Christopher: Christopher Knight Lopez is a Professional Entrepreneur. Christopher has opened over 7 businesses in his 14-year career. Christopher’s purpose is to take advantage of various market-driven opportunities. Christopher is a certified Master Project Manager (MPM), Master Financial Planner (MFP) and Accredited Financial Analyst (AFA). Christopher previously held his Series 65 securities license. Christopher also has his General Lines — Life, Accident, Health & HMO. Christopher has managed a combined 286mm USD in reported Assets Under Management & Assets Under Advisement. Christopher has work experience in 29 countries, raised over 50mm USD for various businesses, and grossed over 7.5mm in his personal career. Christopher worked in the highly technical industries of: biotechnology, finance, securities, manufacturing, real estate, and residential mortgages. Christopher is a United States Air Force Veteran. Christopher has a passion for family, competitive sports, fishing, martial arts and advocacy for entrepreneurs. Christopher provides self-help classes for up-and-coming entrepreneurs. Christopher’s passion to mentor comes from belief that entrepreneurs need guidance. The world is full of conflicting information about entrepreneur identity. See more at

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Christopher is a Professional Entrepreneur with over 14 years of experience, a Master Project Manager, Financial Analyst, & Master Financial Planner

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