Net Worth

A private, offline money portrait — snapshot assets & debts monthly and watch the trend.

Net worth is one number — assets minus debts — and its value comes entirely from being tracked over time. A single snapshot says little; a series says whether the direction is right, which is the actual question and one that income alone cannot answer.

Monthly is the right interval for most people, frequent enough to show a trend and rare enough not to react to noise. The discipline that makes it honest is including everything, especially the debts, since the version of this that omits an awkward number is measuring something other than net worth.