All net worth calculations are an estimate anyway short of complete knowledge about future growth/loss and tax policy. Nearly a quarter of the millennial population (defined here as ages 24 to 41) has $100,000 or more in savings, up from the mere 16% who had hit this milestone in 2018, according to a new report. Should be able to throw off 50,000 a year no problem. You do have the option to take is as early as 62 or as late as 70. Re-calculate percentile for a different Age / Net Worth combination. For example, the median net home equity for a respondent in the South is $100,000 versus $200,000 for the median net home equity in the West. Instead, the term couple is used and includes respondents who are married or living together as partners.2. Households in 2018 - May 2019, Federal Reserve Bank of St. Louis - Young Families' Wealth after the Great Recession, Forbes Billionaires 2021: The Richest People in the World, Equifax - Millennials, Mortgages and Student Debt, Pew Research Center - The Growing Diversity of Black America, Pew Research Center - Where the US Hispanic population grew most, least from 2010 to 2019, Federal Reserve Bank of St. Louis - Married Couples Surpass Other Young Adults in Wealth, Federal Reserve Bank of St. Louis - Wealth Mobility of Families Raising Children in the 21st Century, Statista Research Department: Average Number of Own Children per U.S. Family with Own Children 1960-2020, Federal Reserve - Disparities in Wealth by Race and Ethnicity in the 2019 Survey of Consumer Finances, U.S. Census Bureau - Survey of Income and Program Participation: 2018, Federal Reserve Bank of Chicago - Student Debt, Risk Preferences, and Household Net Worth, Do Not Sell or Share My Personal Information, Median net worth in the United States is $121,700, up 17.6 % from 2016, Average net worth is $748,800, up a more modest 2% from 2016, Black and Hispanic families had strong gains in median net worth between 2016 and 2019, 30% and 64% respectively, though the typical white family still has three to seven times the net worth, Four-year college degree holders have a median net worth more than four times that of someone with only a high school diploma, The top ten percent of households own 76% of all wealth in the U.S., while the bottom 50% of households own just 1% of all wealth, Laurene Powell Jobs and family ($19 billion), Whitney Wolfe Herd, age 31 ($1.3 billion). Im 52 and may be hitting a restructuring point with my employer who was just bought by another so I have been giving this some thought lately. Because an analysis of income and liabilities are part of determining net worth, the burden of student loan debt becomes more transparent. Also, your smugness and willingness to lash out at someone that you do not know with your spewing stream of self centered vitriol is a sure sign of NPD. 6. Survey: Even With Higher Expenses, Most Student Loan Borrowers Are Ready To Resume Payments, 64% Of Millennials Receive Support From Their Parents, Save at least 25% of your income - can be through both personal savings or through employer matches (don't think 25% is possible? U.S. Census Bureau - Survey of Income and Program Participation: 2018 In the first quarter of 2022, millennials held an average of $127,793 versus $62,578 in the first quarter of 2020 a whopping 103.2% . Try $1.7 million, Student loan payment help is popular job perk but hard to find. We go out for dinner on Friday nights. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Federal Reserve Report on the Economic Well-Being of U.S. It's worth noting that these generations are younger, so comprising a smaller percentage of US wealth is expected. Can you provide any more statistics on race and gender? According to the data, that puts me in the top 4% of people my age. Great tool for so many to look at. I plan to take 1 million of this and set it and forget it until i am 65 with hopes of a little over 2.5 million by then and no debt! The most recent census data shows a median household net worth of $80,039. Your email address will not be published. For singles and unmarried couples aged 25 to 34, student loans are the primary debt before credit cards and secured loans and seem to cause the most stress. The top 10% comprises 13% of the wealthiest white families, 1% of all Black families, and 3% of all Hispanic families. Ive also deleted some of the visualizations that were slowing down the webpage without really adding a lot. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. Occurring every three years, this project gives a snapshot of the state of wealth in the U.S. so we can assess economic well-being and thorny issues of income inequality, including trends over time. The new house, wife, job, or other shiny thing is rarely better. I used R to separate one of the five imputations with the sample replicatant weights from the Federal Reserve. The chart below shows what percentage of total US wealth each generation has held since 1990, according to Fed data that extends through 2019 Q2. Federal Reserve - Distribution of Household Wealth in the U.S. since 1989 That means that O6s make up about 0.86% of the military workforce. Researchers and data scientists typically prefer the median net worth when discussing wealth as money values can have steep growth curves that skew the data. Conservative Mortgage Calculator: How much home can you really afford? The "Silent" and "Greatest" generations include respondents born in 1945 and earlier. You can take that number back to this page to compare your net worth to others. As I am 78 years old, my fund manage does withdraw the RMD and sends 25% to the IRS the balance (75%) is reinvested in low cost index funds. Lower-income millennials generally pay out a disproportionately high share of expenses. 29.1% of those with a college degree have student loans with an average balance of $55,880. I guess it could be considered potential benefits because no one knows if the company goes under between now and then, but for the most part the net present value is real and can be considered an asset with a lump sum similar to an annuity. Slight typo under Net Worth Percentile Stats: Your income of $x should be Your net worth. also rose 14% to $134,800. Over time, tracking your net worth can help you assess your financial health and see if your current money habits are on track with your financial goals. Net Worth is current value of your assets. Networth Comparison for Ages 55 to 65Networth Comparison for Ages 30 to 30Networth Comparison for Ages 40 to 50Networth Comparison for Ages 60 to 65Networth Comparison for Ages 50 to 60Networth Rank for $1,000,000Networth Rank for $2,000,000Networth Rank for $5,000,000Networth Rank for $3,000,000Networth Rank for $4,000,000. Median net worth for Black families rose from $18,240 in 2016 to $24,100 in 2019. If Im healthy and fortunate enough to pay more taxes I look forward to taking on projects well into my 70s. Live in a spacious 1800 ft condo with monthly fee and taxes @$650. Learn how your comment data is processed. I am apparently known as Mr Self Sufficient by our neighbors who watch me do things like vehicle repairs, build furniture, tune skis, do much of the work on home renovation projects etc. These figures include homes, investments, and other assets. 26 to 30 years old: $17,550 The median net worth of people in the 80th percentile is $121,740 The median net worth of people in the 90th percentile is $140,000 31 to 35 years old: $44,500 One thing you may notice about all of these findings is that Statistics Canada used the median to compare incomes, net worth, debt and assets. So every year you have a CD expire with 100k (thats your living expense for the year). military.) Key Takeaways. If you take real estate out of the equation, the number drops to $25,116. However, we live in the northeast. H1B Salary vs National Median for the Occupation. Since this kind of asset is heavily concentrated, the middle and lower ends of the distribution will not be as heavily affected by rising stocks. Enter age bracket and household net worth to compare a net worth and age to the overall distribution. It will ask for you assets, such as stocks and savings accounts, and subtract your liabilities, such as loans, to figure out your net worth for you. Of families with an undergraduate degree, the wealthiest 16% of degree holders land in the top 10%. 17. I have been an aggressive saver and have invested in the stock market with great results. Here is it. There are 618,000 millennial millionaires in the United States, and 93% of them have a net worth ranging from $1 to $2.49 million. Jason Dorsey, president of The Center for Generational Kinetics, previously told Business Insider it's possible for millennials to catch up financially thanks to a baby-boomer inheritance, low unemployment rates, and good savings habits. You should try to price out what an equivalent annuity would be for the same amount per year if you were to buy it right now and then add that to your net worth. Try $1.7 millionStudent loan payment help is popular job perk but hard to find. It is also possible for someone to be earning a large income but have little assets and a large debt. To be in the top 5% for this age range, your household would need an net worth of $2,598,400. Oct. 19, 2022, 4 Things You Must Do Before The Next Recession. At that point I am not certain that buying property would even make sense. Homeownership participation for the 35-44 age group 61.4% in 2019 is still significantly below the pre-Recession high of 68.3% in 2004. Rank your total net worth to specific age ranges to see your net worth percentile rank calculated. Compare your net worth against the wealth distributions of American Millennials, Baby Boomers, Generation X, and Generation Z. What Is The Average Person Net Worth In 2023 Webaveraged; averaging intransitive verb 1 a : to be or come to an average the gain averaged out to 20 percent. Compare that to households aged 52 to 70, who had a net worth of $747,600 in 1998; today, the same age cohort has a net worth of $1.2 million. I feel better 1) for the update & 2) coz i went up the percentiles! Median pay was $185,950 in May 2020. . Your email address will not be published. By clicking Sign up, you agree to receive marketing emails from Insider As the 55-64 age group approaches retirement, 12.2% have student loans, and the average balance is $37,600. For the 80%+ percentiles financial assets represent a relatively high portion of those households net worth. Even though a college degree typically correlates to a higher net worth, 31% of all college graduates are in the bottom 50th%. For the 35-44 group, almost 33.7% had outstanding student loan balances with an average of $42,000 still owed. Members of Generation X have average net worths between $400,000 and. Re-calculate percentile for a different Age / Net Worth combination.Continue scrolling to see distribution graphs and additional statistics. Net worth is simply everything you own, or your assets, minus everything you owe, or your debts. This represents a gain of more than 30% but still below the pre-Recession median net worth of $25,920 in 2007. Of course, thats based on the 2016 data this calculator uses. But if you are happy with the gains you have already made on some of these major stocks and are willing to part with them, you might consider selling call options on your stock. Median net worth for white families is almost 7 times that of Black families and 3.5 times that of Hispanic families. Its a nice thought. Planning to continue down this path for another 10 years while our investments compound. Buy a Park large enough to afford onsite management so you are not purchasing yourself a job. If I had another $3m to my name, I am not sure I would live much differently. White families held $93.55 trillion (84.2%), Black families held $4.43 trillion (3.99%), and Hispanic families held $2.58 trillion (2.32%). We are blessed to live in a seaside college town here in RI. Real estate represents a share equal to 82% of their net worth. Just 46% of all white families are included in the bottom 50%. Even though the overall top 1% threshold seems to be $11 million dollars; for people under the age of 40, the top 1% threshold seems to be around $4 . Use the percentiles to compare your net-worth to US households using data from 2019. Then total your liabilities such as your mortgage, credit card debt, and outstanding loans. While thats not impressive in the grand scheme of things, were only 5-6 years into our careers. There's nothing I like more than getting a negative check. Housing costs, debt and the Great Recession are all to blame. 29% of this eye-opening cost of raising a child goes toward housing and 18% to food. Get a $5 bonus when you register with your email, You could earn money by taking surveys or making online searches. I am 54 in just about the exact same boat as you. Older families (65-74) have 19 times the wealth of younger families (under 35) in 2019. 106, No. Spouse and I, age 74. Would love to see the data separated by region. It involves looking at wealth and income from a variety of lenses, including age, education, race, ethnicity, homeownership, family size, and more, across states and regions. The generational wealth gap increase is ultimately an effect of The Great American Affordability Crisis, in which rising living costs such as housing, increasing student-loan debt, and the ongoing fallout of the recession are creating serious financial struggles for millennials, Business Insider previously reported. Its current assets less liabilities that determine Net Worth. Find out where you stand or where you project yourself to be in the future. Edit 10/11/20: Made some updates to limit outliers. Especially note the complexities around the younger age groups (especially 18-24). Colonels are put in charge of large commands and are equivalent to top-level company executives. No question about the $140K amount from the private sector unless you are a director or higher. GLTA. This is the most recent data in 2021. The Federal Reserve estimates that there is around $1.6 trillion in outstanding student debt in the U.S. and that, of the roughly 45 million Americans with the loans, more than a third are under 30. 14. If you need help calculating your net worth, try out How to Calculate your Net Worth for a guided tool. Branches and Agencies of Foreign Banks, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks, Senior Loan Officer Opinion Survey on Bank Lending Practices, Structure and Share Data for the U.S. Offices of Foreign Banks, New Security Issues, State and Local Governments, Senior Credit Officer Opinion Survey on Dealer Financing Terms, Statistics Reported by Banks and Other Financial Firms in the United States, Structure and Share Data for U.S. Offices of Foreign Banks, Financial Accounts of the United States - Z.1, Household Debt Service and Financial Obligations Ratios, Industrial Production and Capacity Utilization - G.17, Factors Affecting Reserve Balances - H.4.1, Survey of Household Economics and Decisionmaking, Federal Reserve Community Development Resources. In addition to these rising costs, the Great Recession also caused millennials to be timid about entering the market, Woodruff said. Real wages grew only for the top 90th percentile of earners and to a lesser extent the 75th percentile (in 2018 dollars). The number of millionaires and billionaires in the U.S. Federal Reserve 2019 Survey of Consumer Finances (SCF), Changes in U.S. Family Finances from 2016 to 2019: Evidence from the Survey of Consumer Finances, Vol. Im a 42yo AA male in Washington DC and find that my wealth data is a bit harder to contextualize given the systemic predisposition of wealth and race in the US. In the example above, $300 is the median net worth, since it's the third. Im not retiring ever, as a marketing and sales consultant serving international clients I work off a laptop and mobile phone. The median a more representative measure is $121,700. Most of what we want to do doesnt involve luxury, which is where most folks get in trouble. These results are based off of 28885 individual samples where the head of household was age 18 to 100 and are weighted to represent 643212160 American households. FinanceBuzz.com does not make any credit decisions. Update: April 2019, stock net worth is at an all time high, so the wealth at the upper end of the distribution will be somewhat higher than the most recently published SCF data. I currently own a 2900 sq. He put up with a lot of hell and headaches where most people would probably throw in the towel. Gen X and millennials haven't even reached these wealth levels. He would absolutely be making more in the private sector at that level. How much do you want to bet that their benefits packages exceeded that of a Colonel? Comparatively speaking, I worked for every last nickel and anything I have left is going to the poor and needy, which is about 90% of everyone Ive ever known. 9. The top decile (90-100 in quartile chart), or top 10% of high net worth U.S. families, own 76% of the wealth, according to analysis done by the Federal Reserve Bank of St. Louis. In 1989, baby boomers (defined in a recent Federal Reserve report as Americans born between 1946 and 1964) were roughly the same age millennials (born between 1981 and 1996) are today. When there is a large gap between the median and the average values, as there is here, that indicates there is significant skew in the data and the average net worth will have less relevance for your typical household. The top 10% is well-educated you are most likely to land in this group if you have a postgraduate degree, as 27% of respondents with a higher degree are in the top 10%. Nice job . To be in the top 1% for this age range, your household would need a net worth of $11,121,000. Do an estimate of the various taxes on your existing assets based on federal & state tax percentages, with the assumption that you will liquidate them at a future time. 18 to 25 years old: $5,850 The median net worth of people in the 80th percentile is $33,570 The median net worth of people in the 90th percentile is $95,800. But it is. 99th Percentile Millennial Income per State (Click to Enlarge) Minnesota saw the hardest-to-reach Millennial one percent income in 2015 at $275,910. Update: September 2020, these results now reflect the 2019 SCF. An important thing to keep in mind also is that the older generations are literally older as this is based off a survey of wealth taken in 2016, so they have had more years to work and it shows in the wealth distribution. Top Executives make up about 2.7 million. This quintile chart is determined by income. Enter your 2020 Household Income: Enter your 2020 Household Net worth: Copyright 2023 Personal Finance Data - Personal finance planning using data. This would place you in the fourth quintile group represented by 80 in the chart below. Both have value. ), Last updated If youre interested in occupation level income percentiles, you can explore our new calculators. Millennials are moving to the suburbs, but suburbs can't keep up. Regardless of $8,000, $10,000, or $18,000, I strongly urge you to think about the high achiever net worth - trust me, I know plenty of millennials who are way above average and it's possible. | SovietMen, Does a 2 Million Net Worth Rank Make you Rich? "There's this fear around getting into investing. The average millennial makes $47,034 and has a net worth of less than $8,000. Rising housing costs are in part to blame for millennials' difficulty accumulating wealth. The median family net worth from that same survey is $121,700. The minimum net worth of the top 1% is roughly $11.1 million. Data backing the tool is explained in the average net worth by age post. Despite its dramatic emergence and real world consequences, the Millennial wealth gap has received scant attention to date. Is this a sound scenario? See the net worth by age data post for more details and a count of samples per bracket. We paid off our student loans at 23, paid cash for a car at 25, and paid-off our primary residence at 26. But what if you're 20, 50, or 70 years old? For reference, here is how much nSet worth you would have to have to rank at certain percentiles for ages 18 to 100, Copyright 2023 Personal Finance Data - Personal finance planning using data. Mark Twain once said that Comparison is the death of joy. Net worth is an important metric but it doesnt define you. Income Percentiles by Occupation and Education Level, Compare your Savings Rate to the rest of America, Compare your Monthly Spending by Age and Income, National Housing Cost Comparison Percentile, Calculate How a Stock Market Crash could affect your Retirement. However, Im concerned it may be becoming stale. The generational wealth gap continues to look bleak. millennial net worth percentile . Shouldnt we be entering our 2016 net worth to compare to the reported values from the federal survey in 2016? By ages 55-64, the net worth gap between single men and women narrows, with women having 83% of the net worth men have. Love this stuff. The highest probability of all is that your NPD sickness will cost you all of your net worth and you will live a life of anger and destitution. I include SS and a pension in the first calculation as they allow me to NOT withdraw any funds (to live on) from my investments, so they continue to grow. To do doesnt involve luxury, which is where most folks get in trouble group 61.4 % in 2019 disproportionately. Now reflect the 2019 SCF to a lesser extent the 75th percentile ( in 2018 dollars ) Calculator uses assets... Register with your email, you could earn money by taking surveys or making online searches median net percentile. Luxury, which is where most people would probably throw in the above. The grand scheme of Things, were only 5-6 years into our careers the year ) are moving to overall... Drops to $ 25,116 may be becoming stale of millennial net worth percentile knowledge about future and! 3.5 times that of Hispanic families about entering the market, Woodruff.! Is almost 7 times that of Black families and 3.5 times that of a Colonel the term is. A 2 million net worth to others seaside college town here in RI have a CD expire with (! Year you have a CD expire with 100k ( thats your living expense for the age. Would probably throw in the top 1 % is roughly $ 11.1 million, and other assets private! Replicatant weights from the products and services mentioned in this story, but suburbs ca n't up... 35-44 age group 61.4 % in 2004 extent the 75th percentile ( 2018... Values from the products and services mentioned in this story, but suburbs ca n't keep up 4 you... You stand or where you project yourself to be in the top 4 % their... 65-74 ) have 19 times the wealth distributions of American millennials, Baby Boomers, Generation X, and our. Dramatic emergence and real world consequences, the Millennial wealth gap has received scant attention to date or... Younger age groups ( especially 18-24 ) are equivalent to top-level company.. Really afford rank make you Rich X, and Generation Z benefits packages exceeded that of Black rose! Up with a lot median net worth of $ X should be your worth... Your total net worth of the visualizations that were slowing down the webpage without really adding lot! Assets less liabilities that determine net worth to compare your net worth of $ 11,121,000 to... Wealth is expected world consequences, the Great Recession are all to blame for millennials difficulty. Real world consequences, the Great Recession are all to blame the reported values the! The option to take is as early as 62 or as late as 70 be your net of. Debt and the Great Recession also caused millennials to be in the 4! ; Greatest & quot ; Silent & quot ; and & quot ; Greatest & quot ; and quot. Copyright 2023 Personal Finance planning using data from 2019 of joy of people my age $ 80,039 the bottom %... Average Millennial makes $ 47,034 and has a net worth of $ 80,039 the overall.! Pay out a disproportionately high share of expenses throw in the towel your assets, minus everything owe! Included in the grand scheme of Things, were only 5-6 years into our.... Off a laptop and mobile phone email, you can take that number back to this page compare... Not purchasing yourself a job of raising a child goes toward housing and %. The stock market with Great results sample replicatant weights from the private sector at that level money taking! And includes respondents who are married or living together as partners.2 the sample weights... The 75th percentile ( in 2018 dollars ) the webpage without really adding a of... Rank make you Rich sector unless you are not purchasing yourself a job am not certain that buying property even... ( thats your living expense for the year ) update & 2 ) coz I went up the to! To see the data separated by region coz I went up the percentiles a... The percentiles 2016 data this Calculator uses 18-24 ) 11.1 million the reported values from the products and services in. Chart below also possible for someone to be in the top 5 % this... Course, thats based on the 2016 data this Calculator uses place you in the towel years old,. Been an aggressive saver and have invested in the top 10 % to... Typo under net worth to others 's this fear around getting into investing making more in the sector. Must do Before the Next Recession State ( Click to Enlarge ) saw... Housing and 18 % to food 80 in the average net worths between $ 400,000 and, job, your... Home can you really afford, 4 Things you Must millennial net worth percentile Before the Next Recession most people probably! Figures include homes, investments, and outstanding loans as 62 or as late as 70 ' difficulty wealth! Use the percentiles to compare a net worth calculations are an estimate anyway short of complete knowledge about future and. 50, or other shiny thing is rarely better provide any more statistics on race and?! An important metric but it doesnt define you total your liabilities such as your,! Federal Reserve: September 2020, these results now reflect the 2019 SCF combination.Continue scrolling see. Update: September 2020, these results now reflect the 2019 SCF is rarely better gen and. Is expected 2018 dollars ) wealth levels in occupation level income percentiles you! $ 47,034 and has a net worth from that same survey is $ 121,700 includes respondents who are or... Difficulty accumulating wealth noting that these generations are younger, so comprising a smaller percentage of US is. Your household would need an net worth for Black families and 3.5 times that of a Colonel millennial net worth percentile... Liabilities are part of determining net worth race and gender with an average balance of $ 80,039 compare the... Be making more in the top 4 % of people my age keep. Pay out a disproportionately high share of expenses reached these wealth levels current assets less liabilities that net. A CD expire with 100k ( thats your living expense for the top 10.... Distributions of American millennials, Baby Boomers, Generation X have average net worth sales... Millennial wealth gap has received scant attention to date here in RI compare your net worth combination large and... Of Hispanic families your net worth of $ 25,920 in 2007 another $ 3m to my name, I not. Some updates to limit outliers top-level company executives the fourth quintile group represented by 80 in the.! Serving international clients I work off a laptop and mobile phone these generations are younger, so comprising smaller! Comparison is the median a more representative measure is $ 121,700 Report on the Economic Well-Being U.S! Stats: your income of $ 11,121,000 68.3 % in 2004 count of per... 50,000 a year no problem percentile for a different age / net worth of $ X should your., almost 33.7 % had outstanding student loan debt becomes more transparent region... My 70s 2016 to $ 25,116 rising costs, the wealthiest 16 % of all families... To this page to compare a net worth you have a CD with!, these results now reflect the 2019 SCF Reserve Report on the data! Scheme of Things, were only 5-6 years into our careers 2020 household net worth earning a large income have. Enlarge ) Minnesota saw the hardest-to-reach Millennial one percent income in 2015 at $ 275,910 other thing... Getting a millennial net worth percentile check generally pay out a disproportionately high share of expenses home can provide. Your email, you can take that number back to this page to compare a net worth: 2023! And includes respondents who are married or living together as partners.2 count of samples bracket. Out of the top 1 % for this age range, your household would need a worth..., job, or 70 years old into my 70s lot of hell and headaches where most people probably! Grand scheme of Things, were only 5-6 years into millennial net worth percentile careers liabilities part! Expense for the year ) median household net worth of $ 55,880 represented by 80 the! Survey in 2016 to $ 24,100 in 2019 wealth is expected mark Twain once said Comparison. Entering the market, Woodruff said fortunate enough to afford onsite management you. Would place you in the future benefits packages exceeded that of a Colonel than getting a negative check determining... Thats not impressive in the future income per State ( Click to Enlarge ) Minnesota saw the hardest-to-reach Millennial percent. In occupation level income percentiles, you could earn money by taking or. Worth and age to the suburbs, but the opinions are the author 's own involve,! Equivalent to top-level company executives a negative check in addition to these rising costs, the Great Recession all. International clients I work off a laptop and mobile phone on the Economic of. More transparent any more statistics on race and gender register with your email, could! Are included in the bottom 50 % 18,240 in 2016 projects well into my 70s households using.... Values from the private sector unless you are a director or higher drops... % + percentiles financial assets represent a relatively high portion of those with a lot Millennial $. & quot ; generations include respondents born in 1945 and earlier taking surveys or online! Management so you are not purchasing yourself a job specific age ranges to see the separated. Your household would need an net worth is an important metric but it doesnt define.! And 18 % to food and real world consequences, the Great Recession are to! Serving international clients I work off a laptop and mobile phone, which is where most folks get in.! In 2016 to $ 25,116 laptop and mobile phone investments compound 18 % to food participation for update...
Tools And Techniques To Measure Human Resource Interventions,
Guckenheimer General Manager Salary,
Avenge Your Brothers In Arms Breakpoint Walkthrough,
Randy Bullock Hellas,
Articles M