【美國賺最多錢的年齡層,現在是 65 歲以上】🧓
2025 年美國 65 歲以上家庭的總收入達到 3.87 兆美元,超過所有其他年齡層,包括正值職涯高峰的 35 到 44 歲的 3.70 兆美元。
這組由 Yardeni Research 整理的數據,縱軸寫得很清楚:平均家庭收入乘以家庭戶數。換句話說,它量的是一個年齡層加總起來的購買力,不是一個典型家庭的收入。45 到 54 歲是 3.53 兆美元,55 到 64 歲 3.27 兆美元,25 到 34 歲 2.56 兆美元。
排名翻轉主要來自戶數,不是來自薪水。美國 65 歲以上的家庭已經達到 4,190 萬戶,占全體家庭的 30.6%,而在本世紀初大約只有五分之一。同一段時間,65 歲以上人口占總人口的比重從 2004 年的 12.4% 升到 2024 年的 18%,到 2030 年,戰後嬰兒潮世代將全數跨過 65 歲。單一位退休者的收入並沒有超過壯年家庭,是人數把總額推了上去。
同一份資料的下半部顯示,嬰兒潮世代的家庭淨資產在 2026 年第 2 季達到 97.4 兆美元,占全美家庭淨資產 185.6 兆美元的一半以上。
對做消費生意的人來說,這個轉折的意思很具體:美國市場成長最快的那一塊需求,來自一群收入結構以退休金、社會安全給付與投資帳戶提領為主的家庭,而不是靠加薪。
資料來源: Yardeni Research、美國人口普查局、聯準會 (圖片來自 @neilsethinew)
The Highest-Earning Age Group in America Is Now the Over-65s
US households headed by someone aged 65 or older took in $3.87 trillion in 2025, more than any other age group, including the $3.70 trillion earned by households in the peak career years of 35 to 44.
The series, compiled by Yardeni Research, labels its axis precisely: mean household income multiplied by the number of households. It measures the combined buying power of an age group, not the income of a typical family within it. Households aged 45 to 54 came to $3.53 trillion, those aged 55 to 64 to $3.27 trillion, and those aged 25 to 34 to $2.56 trillion.
The reordering comes from household counts rather than paycheques. There are now 41.9 million US households headed by someone over 65, or 30.6% of all households, against roughly a fifth at the turn of the century. Over the same stretch, the share of the population aged 65 and over rose from 12.4% in 2004 to 18% in 2024, and by 2030 every member of the baby boom will have passed 65. No individual retiree out-earns a prime-age household. Sheer numbers pushed the total past them.
The lower panel of the same data shows baby boomer household net worth at $97.4 trillion in the second quarter of 2026, more than half of the $185.6 trillion held by all US households.
For anyone selling to consumers, the shift has a concrete meaning. The fastest-growing pool of demand in the American market belongs to households funded by pensions, social security and withdrawals from investment accounts rather than by pay rises.
Source: Yardeni Research, the US Census Bureau and the Federal Reserve (Image: @neilsethinew)