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By the numbers
What the data says
- 1928 to 2024
~10% a year
Long-run average annual return of the S&P 500 including dividends
Before inflation, 1928 to 2024, with wide swings year to year
Source: NYU Stern, Aswath Damodaran historical returns dataset - 2024 survey, published May 2025
63%
Adults who could cover a $400 emergency expense with cash or its equivalent
Unchanged from the two previous years
Source: Federal Reserve, Economic Well-Being of US Households in 2024 - Q2 2025
$18.39 trillion
Total US household debt
Up $185 billion in the quarter. Mortgages are $12.94 trillion of it.
Source: Federal Reserve Bank of New York, Household Debt and Credit Report
National figures from the sources shown, as of the period on each card. They are context, not a forecast or advice for your situation.
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