Key Facts
• Recent data shows married, child-free millennials have higher net worth than peers.
• Average retirement savings for this group: $71,886 (approx. ¥10.78M).
• Millennials with children save less: $48,408 (approx. ¥7.26M).
• Child-free millennials often hold higher education degrees.
• Average credit card debt: $2,456 (approx. ¥370,000), slightly above millennial average of $2,203 (approx. ¥330,000).
• Housing costs average $3,447 (approx. ¥520,000) monthly for married, child-free millennials.
• “Double Income, No Kids” (DINKs) households are reshaping the American Dream.
• Some millennials delay parenthood due to financial or housing challenges.
• U.S. Census Bureau’s 2024 SIPP data analyzed millennials aged 27–42.
• Economic stability is a priority for Gen Z, with less focus on family expansion.
Summary
Married, child-free millennials are financially outperforming their peers, with an average net worth $180,000 higher. This group prioritizes savings, with retirement accounts averaging $71,886, compared to $48,408 for millennials with children. They also tend to have higher education levels and slightly more credit card debt ($2,456 vs. $2,203). The “Double Income, No Kids” (DINKs) lifestyle is becoming a modern American Dream, though financial and housing challenges deter some from having children. Gen Z appears to follow this trend, emphasizing economic stability over family growth.
