The cost of achieving the so-called American Dream has climbed above $5 million, according to a new analysis from Investopedia. The figure, which represents lifetime spending on eight traditional middle-class milestones, is up nearly $600,000 from last year and almost 50% higher than two years ago.

The report draws on government data, industry figures, and surveys of more than 1,200 adults to calculate the expenses tied to what Americans most often associate with success. First defined in 1931 by historian James Truslow Adams as the pursuit of a better life, today’s version carries a record-high price tag.

The breakdown for 2025 includes: retirement ($1.64 million), healthcare ($414,208), homeownership ($957,594), raising two children and paying for college ($876,092), cars ($900,346), v

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