Want to live rich and long? Of course it is. It turns out that marrying an Asian person has the best chances of living longer and earning more money than most people. Let me share how I came to this conclusion.
After publishing my post on how life expectancy depends heavily on wealth and location, a few commenters asked if I had taken race into account as one of the variables. I did not do it.
Instead of taking race into account, we considered household income, net worth, location, and social impact to think about how we could act to live longer.
Given that we are all born of a particular race, No action can be taken to change race Even if some races live longer than others. So there was no point in concentrating on the race.
I also don’t like the focus on race. It’s not encouraging to be told that your race isn’t doing as well as others. And being told your race is going well can give you a false sense of confidence.
Financial Samurai advice applies to all races. I sincerely hope that everyone will achieve financial freedom soon if they really want it. That’s the beauty of sharing knowledge for free on the Internet!
But I’m open minded, so I looked at life expectancy by race to see if I could connect more dots during Asian American Pacific Islander Heritage Month.
US life expectancy by race
according to National Center for Health Statistics, the United States has the longest life expectancy for Asians at 83.5 years. Hispanics have him second oldest at 77.7, whites at 76.4, blacks at 70.8, and American Indians/Alaska Natives at only 65.2.
![Life expectancy by race](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2023/04/us-life-expectancy-by-race-728x367.png?fit=1456,9999)
Based on the data, if you want to increase your chances of living longer, be born Asian!
Ok, if this advice rubs you the wrong way, now you know why I didn’t include race in the life expectancy variables. But there are things you can do if you know the data.
We all have to ask ourselves how much a year of our lives is worth. The more you value your time, the more you welcome the following strategies. By the time we start to appreciate the value of time, we may be too old to change.
Tip: Compare affordable life insurance quotes in one place with PolicyGenius. Life insurance is mandatory if you have debts or dependents.
marry an Asian or have Asian offspring
It may be too late for you but hopefully you can marry an Asian who will outlive you. I think I want to do.
Another strategy for living longer is to have offspring with Asians. This strategy won’t help, but it can increase the chances of future generations living longer. Helping your children may help your legacy in turn.
Given that you are not Asian, your child may not fully benefit from the higher life expectancy of Asians. By comparison, half of the gains still live about 3 years longer.
The problem with having children with Asians is that Asians make up only about 6.5% of the US population. As a result, Asians are relatively rare compared to Hispanics (19%), Blacks (14%) and Whites (62%). However, Asians are not as rare as Native Americans, who make up about 3% of the population.
To increase your chances of meeting Asians, live in the most Asian-populated area in America.
Top 10 U.S. Cities with the Most Asians as a Percentage of Total Population
As you can see from the chart below, if you want to increase your chances of finding an Asian life partner, head to Honolulu, Daly City, Fremont, Sunnyvale, Irvine, Santa Clara, Garden Grove, Torrance, San Francisco, or San Jose. Please move. .
Hawaii and California are the two states with the most Asians, as they are the two states closest to Asia. Hawaii and California are also the two states with the highest life expectancy.
![Top 10 U.S. Cities with the Most Asians as a Percentage of Total Population](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2023/05/cities-with-most-asians.png?fit=1456,9999)
Now that you know where most Asians live in America, it’s time to understand what Asians care about most. The more you understand the other culture, the easier it will be to connect.
What do Asians care about
If you want to marry an Asian, it is important to learn about their particular customs and beliefs.
Asians are not monolithic, so make sure you understand specific cultures such as Japanese, Taiwanese, Thai, Malaysian, Vietnamese, Indonesian, Hong Kong, Chinese, Cambodian, Indian, etc. please.
But in general, know that most Asians care or emphasize the following:
- Education (most likely to attend college)
- Respect (filial piety, respect for elders)
- Loyalty and stability (lowest divorce rate in America, home ownership)
- Honesty (lowest crime rate in America)
- Meritocracy (reward for hard work)
- Financial stability (watch your debt, honor your financial agreements, high savings rate, high credit score)
- health (lowest obesity rate 16.1% in the United States)
The more you care about the seven things above, the more likely you are to outlive you and the more likely you are to build a life with an Asian who may have children who may outlive you.
Examples of cultural differences
Here is an example: regret overwhelming majority of Asians. Due to the importance of showing respect, Asians may find it disrespectful to others to leave clutter in public places.
![Kid's Popcorn Scattered on Airplane, Dad Anthony Bass Grumbles, Who Picks Up After Kid](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2023/05/kids-twitter-mess.png?fit=1456,9999)
![Kids clean up after airplane discussion](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2023/05/clean-up-2.jpeg)
I hope the flight attendants respectfully asked expectant mothers to pick up the trash.It’s not easy being pregnant and traveling with two children.
But Asians don’t expect flight attendants to pick up their children. Instead, the Asian parent is more likely to pick up the food or the parent will. tell the kids to pick it up themselvesAfter all, if your kids are old enough to operate electronic devices, they should know how to pick up trash.
Leaving a place worse than they found it is not the Asian way. There is a fear that if people in Asia don’t teach their children respect early on, they will grow up to be empowered and disrespectful as adults.
I could see Asian culture in action when Japanese fans were picking up trash in stadiums after every soccer World Cup match.
Conversely, disrespecting Asians can make Asians more emotionally distraught and angry than non-Asians.
But what about money by race?
OK, now I’m convinced that marrying or living with an Asian is a great idea. But what about the money side of it? After all, having more money brings more freedom and a better life.
Well, you’d be curious to know that Asians have the highest average incomes in America, too. The median income for Asians in 2019 was $98,174. Some of the highest income reasons include a focus on education, an increasing share of STEM workers, and high-income immigration.
By 2023, median income for all races could be 10% higher.
income by race
See the median real household income by race from 1967 to 2019, according to the U.S. Census Bureau.
![income by race](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2020/09/real-median-household-income-by-race-1.png?fit=1456,9999)
This is the 2021 income growth by race according to the U.S. Census Bureau.
![Income by Race 2021](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2023/04/income-by-race-2021.jpg?fit=1456,9999)
Asian income by type
Given that Asians are not monolithic, here’s more detailed data on income by type of Asian, according to the Pew Research Center.
Therefore, if you really want to optimize your income, it is recommended that you marry an Indian and then marry a Filipino, Japanese, Chinese, Korean, Vietnamese, etc.
![Income by type of Asian in the US in 2019](https://i2.wp.com/financialsamurai.com/wp-content/uploads/2023/04/IMG_6214.jpg?fit=1456,9999)
Net worth by race and household characteristics
Marrying someone with a six-figure income makes life easier. But what about net worth? Here is the latest data on net worth by race, according to: US Census Bureau.
As you can see at the bottom of the chart, the median net worth of Asians in America in 2019 was $206,400, the highest net worth among all races. This makes sense given that Asians earn the highest and value savings for financial stability.
![Median wealth by race and household characteristics](https://www.financialsamurai.com/wp-content/uploads/2023/04/wealth-inequality-by-household-type-figure-1.jpeg.webp)
Asian Americans’ mean credit score of 745 was 11 points higher than white Americans with a mean credit score of 734. Also, Asian Americans scored better than Hispanic and Black Americans with mean ratings of 701 and 677, respectively.
However, a disproportionate number of Asians may have to pay higher mortgage fees under new laws passed on May 1, 2023. So if you are going to marry an Asian, make sure you marry someone whose credit score is above her 800. Once in the 800+ range, you become a highly coveted borrower who often pays high fees for banks to win business.
The richer you get, the longer you want to live
Based on data, you are more likely to get rich and live longer if you marry an Asian. You may appreciate decency, honesty, and integrity.
When you win the lottery, you want to live as long as possible financially. In this way, the present value of your net worth will be even greater. Can you imagine winning a billion dollars and dying the next day? Bad luck!
One reason 40 to 45 is the perfect age to retire is a hedge against bad luck.22 to 27 years after high school is long enough to build a comfortable nest egg. . If you die early (~60), you will have maximum freedom for at least 15-20 years.
A better life within reach
Here at Financial Samurai, we try to minimize bad luck by understanding the situation and acting accordingly. Considering we already know which state has the highest life expectancy, marry an Asian living in Hawaii or California for a wealthy longevity.
![US life expectancy by state](https://www.financialsamurai.com/wp-content/uploads/2023/04/life-expectancy-698x500.webp)
If you can’t find an Asian living in Hawaii or California, find an Asian from anywhere and move to Hawaii or California. If you can’t afford to relocate to Hawaii or California, we recommend relocating to lower-cost states such as Colorado, Nebraska, Minnesota, Iowa, and Wisconsin.
I still believe that wealth, location and social influence are the biggest determinants of life expectancy. .
If you want to live rich and long, get your game plan now.
Reader Questions and Suggestions
How much do you think race affects life expectancy? Why do you think Asians live the longest and have the highest incomes and net worths in America? What strategies can you employ?
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