Calculate your total net worth.
Net worth = total assets − total liabilities.
$250,000 in assets minus $120,000 in debts equals a net worth of $130,000.
Cash, investments, retirement accounts, home equity, vehicles, and anything else you own that has monetary value.
Mortgages, student loans, credit card balances, auto loans, and any other money you owe.
It usually means debts exceed assets, common early in a career. Tracking it over time matters more than any single snapshot.
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