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The lifetime wealth ratio (“LWR”) is a concept invented by the financial blogger J. Money at Budgets are Sexy back in 2015. J. Money defined the LWR as:

Lifetime Wealth Ratio = Net Worth / Total Lifetime Income

The Lifetime Wealth Ratio (LWR) is, at best, a metric of questionable value. According to the article referenced above, it is based on one's earnings record maintained by the Social Security Administration.

Prior to 1991, Social Security only reports one's gross earnings if they never exceeded the earnings limit on payroll tax.

Starting in 1991, Social Security began reporting one's gross earnings for the Medicare portion of the payroll tax.

After one retires, Social Security records one's gross earnings as $0.00.
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