What you own minus what you owe — your money in one number.
What you own
What you owe
Your net worth is beautifully simple: everything you own minus everything you owe. It cuts through the noise of individual accounts and shows whether your financial life is moving forward.
Do not aim for perfection — aim for direction. Recalculate every few months. If the number climbs, your habits are working.
Anything you own that has value: cash, savings, investments, retirement accounts, your home's market value, your car, and valuables. Use realistic resale values, not what you originally paid.
It is a starting line, not a verdict. Student loans put many women in the negative early on. What matters is the trend — pay down the smallest debt first and watch the number climb.
Quarterly is plenty. Net worth moves slowly, and checking daily just adds noise. Make it a calm ritual, like a money date with yourself.