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You can't grow what you don't measure. Track net worth monthly across all accounts and income streams to build real wealth.
Income is what you earn. Net worth is what you keep. High earners with low net worth are on a treadmill. Track the number that actually matters.
2x Salary
Target Net Worth (35)
By age 35
4x Salary
Target Net Worth (45)
By age 45
Monthly
Tracking Frequency
5 minutes on the 1st
Typical Millennial/Gen-X Net Worth at 35-45
Best Net Worth Trackers
| Feature | Price | Best Feature |
|---|---|---|
| Empower (Personal Capital) | Free | Auto-syncs all accounts, great charts |
| Kubera | $150/yr | Crypto, real estate, private equity tracking |
| Spreadsheet (DIY) | Free | Full control, custom categories |
| Mint (Credit Karma) | Free | Budget + net worth combo |
| YNAB | $99/yr | Budget-focused, net worth is secondary |
List All Assets
Checking, savings, investments, retirement, home value, business equity, crypto, vehicles.
List All Liabilities
Mortgage, student loans, car loans, credit cards, personal loans, business debt.
Calculate: Assets − Liabilities
This is your net worth. Track it on a spreadsheet or app monthly.
Review Month-over-Month
Is it growing? Why or why not? Which assets grew? Which debts shrank?
Set Next Month's Target
Aim for consistent monthly growth. Even $500/month = $6K/year in net worth increase.
Automate It
Key Takeaways