Track your total assets minus liabilities
Net worth is the total financial value of an individual or business. It is calculated by subtracting your total liabilities (what you owe, such as loans, credit card debt, mortgages) from your total assets (what you own, such as cash, investments, real estate, vehicles).
A positive net worth means your assets exceed your liabilities (you own more than you owe). A negative net worth means your liabilities exceed your assets (you owe more than you own), which is common for students or young professionals with high student loans.
You can increase your net worth by paying down existing debt (reducing liabilities), increasing your savings, investing in appreciating assets like stocks or real estate (increasing assets), and cutting unnecessary expenses.
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