Household finance (HF) plays a central role in the analysis of wealth management across the life cycle, integrating human capital, tangible assets and financial decisions. This work studies the impact of income and human capital on household investment strategies, exploring how different socio-demographic characteristics influence financial behavior and risk appetite. The research is based on a historical database (1977-2022) from the Survey of Italian Household Budgets (SHIW), supplemented with interpolated data and wage forecasts up to 2035 through a regression model. To ensure temporal comparability, all monetary values were adjusted for inflation and restored to the purchasing power of interest. A key element of the study is the estimation of human capital, understood as the present value of future labor income.