IB Net Worth / Savings Check

Bump

31, 1.45MM

Hopefully IB for 2 more years and get to 2MM and can walk away

30 yo, $1.4mm, took 2 years for MBA. Scholarship for undergrad and all loans for MBA

32, $3.1mm excluding unvested RSUs

$1.1M at 30 after 8 years in IB is solid, especially with no family help. You're well ahead of the curve.

That said, if you're in a HCOL city like NY or SF, that number doesn't go as far as it sounds. After taxes, rent, and the lifestyle creep that comes with this job, saving that much means you've been disciplined. Respect.

For context, I know VPs in their mid-30s with half that because they spent it on cars, watches, and trying to impress people they don't even like. You clearly didn't fall into that trap.

But here's the real question: what's the plan now? At 30, you've got enough to pivot to something with better hours if you want. Or stay and grind to $2M by 35. Both are valid. Just don't wake up at 40 with $3M and no idea what to do with your life other than check your portfolio.

Curious how much of that is liquid vs tied up in retirement accounts. If most of it's in your 401k, you can't touch it without penalties, so your actual accessible net worth might be lower than it looks.

Still, $1.1M at 30 in this industry is nothing to sneeze at. You're doing fine. Better than fine. Just make sure you're actually living a little too. This job takes enough from you already.

28, ~700k 

31 here, HCOL but not VHCOL.

My liquid net worth is $1.3mm, including home equity $1.45mm. That is my wife and I together, I would guess I have pulled 80% of that through IB and her 20% through non IB basic corporate role. No meaningful parent help on either side outside of help with under grad and some beater cars to keep when we graduated.

If you are single seems like you are doing well above average. My plan is to get through the early years of kids (childcare is expensive as hell) then take a step back hours wise. Hopefully with around $2mm at that point then I just find a job that pays the bills and lets that grow. Just need to figure out what that is.

31, ~$300k. Banking for around 4 years now, prior to that took out huge loans to cover living expenses and MBA, prior to that was an hourly worker making ~$40k and saving basically nothing.

Leaving when I can pay off my loans, wife’s loans, and parent’s house so they can finally retire.

ASO2 went A2A. ~$500k. $175 in the 401k and $325 in the brokerage. Love answering this question when market is ATH. I will be silent when things turn

28, ($200k), almost full ride UG + daddy paid the diff, but I’m a moron and had to spend $300k to buy a second chance called MBA. I guess my $100k in Roth counts but I have no money otherwise.

Now if you excuse me, need to get back and kiss every analysts’ toe and hopefully get a return.

35

$1.5mm liquid, $500k retirement, $500k home equity ($700k mortgage). No debt from undergrad and have been in IB the whole time. I should have more tbh but wasn't financially savvy when I started out (first generation kid). My analyst 1 salary was 70k and the next year was when the market moved up to the 85/90/95 scale. I just checked my 4th floor walk up studio apartment from when I was an analyst 2 I rented for 2200 and it's now renting for 2800 almost 10 years later...my goodness

33

$2m liquid, $700k retirement, $500k home equity. Always saved 100% of bonus and a decent chunk of salary over the years. Investment performance is OK at best... never hit it big on any crypto / AI trade & would have more if I just DCA'd into VOO. 

28

$500K total – $150k in 401k/Roth, $200K in Brokerage, ~$100K home equity and $50k in SPVs and other. 

Paid off tuition while I was in school (go cougs!), and $0 from family / inheritance

~30 with ~$500k NW. graduated with ~$200k in student debt, so was working the first 3 years just to pay debt.

34, $3.7mm

$1.7mm liquid,  $700k home equity, $400k cars, $900k retirement

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24, ~$240k net worth. Wrapping up my analyst stint and about to make the jump to PE (pre-second year bonus).

Started FT with around $30k saved from internships and working during the school year. My parents also gave me $20k, which has since grown to roughly $30k invested in my Roth IRA. They paid for my tuition and housing in college as well, which I can pretty directly attribute to being in the position I’m in today.

Breakdown:
- Brokerage: ~$115k
- Roth 401(k): ~$65k
- Roth IRA: ~$30k
- Crypto: ~$20k
- Cash / Other: ~$10k

Definitely have had some wins and losses in the market so far – put a decent amount into NVDA in college, but also bought a chunk of Bitcoin pretty close to the top. Will probably stick to ETFs going forward.

Performance-wise, I was probably a mid-bucket analyst. First-year TC was solid, though a bit below a lot of my friends at other banks.

32yo, ~$1.2M NW (includes $150k or so of home equity). Took ~3-4 years off the track for MBA + lower paid job so accumulating much faster now

Would like to say 3 more years of grinding to hit $2M then pivot but probably won’t do it

35, $3.7m. $3.3m equities and $400k real estate. Would like to hit $5m and then call it a day.

19, $215K

35 MD (2nd year) +3 kids and wife that stopped working 6 months ago. 

$5.2m total

$600k Home fully paid HCOL suburb

$1m 401k

$3.5m Liquid (1m Cash + fixed income and 2.5m brokerage) 

Excludes cars and other semi liquid assets. 

One good investment return 4 years ago, 200k to 600k in 18 months. Otherwise just good market returns and saving the bonuses. Wife had a 200-300k role last 5 year she worked. 

Number is likely 15m, I thought it was 10 two years ago, but then I bought a 488 and a my wife has here eye on a beach house, so I will need more it seems. I held off on any life style creep until I became an MD, but I think our annual cost is atleast up 75% from 2022… so back to the mines I go.

36, 5.0MM

Hopefully IB for 4 more years and get to 10MM and can walk away

40

Partner at VC firm. $9MM  total.  $6MM in brokerage, retirement, $3MM in illiquid vested carry.

Congrats on hitting MD at such a young age. Are you in nyc? Did you start as an analyst out of undergrad? How has your WLB changed as a D and MD?