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Your Net Worth
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Understanding Your Net Worth
Net worth is the single best measure of your financial health. It is simply: Assets - Liabilities = Net Worth. Track it over time to see if you are building wealth or accumulating debt.
Why Net Worth Matters More Than Income
High income does not guarantee wealth. Someone earning $200,000 with $300,000 in debt and no savings has a lower net worth than someone earning $60,000 with $150,000 saved and no debt. What you keep matters more than what you earn.
How to Increase Your Net Worth
There are only two ways: increase assets or decrease liabilities. Pay down high-interest debt first. Build an emergency fund. Max out retirement contributions. Avoid depreciating assets (new cars, luxury items). Invest consistently, even small amounts.
Frequently Asked Questions
What is a good net worth by age?
A common benchmark is to have 1x your annual salary saved by 30, 3x by 40, 6x by 50, and 8x by 60. The median net worth in the US is about $193,000 for ages 35-44, $340,000 for 45-54, and $580,000 for 55-64. Your target depends on your lifestyle and retirement goals.
What counts as an asset?
Assets include anything of value you own: cash and savings accounts, investment accounts (401k, IRA, brokerage), real estate (your home's market value), vehicles, business equity, personal property (jewelry, art, collectibles), and any money owed to you.
What counts as a liability?
Liabilities are debts you owe: mortgage balance, student loans, auto loans, credit card balances, personal loans, medical debt, home equity loans/lines of credit, and any other outstanding obligations.
How often should I calculate my net worth?
Calculate your net worth quarterly or at minimum twice a year. Monthly tracking can cause anxiety from normal market fluctuations. The important thing is the long-term trend — your net worth should generally increase over time as you pay down debt and build savings.
Is it normal to have a negative net worth?
Yes, especially in your 20s and 30s. Student loans, car loans, and a new mortgage can easily put you in negative territory. About 14% of American households have negative net worth. Focus on the trend — consistently paying down debt and building savings will turn it positive over time.
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