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What you own, minus what you owe — the one number that tells you if you're actually moving forward, tracked monthly.
Enter every asset you own — cash, investments, property, vehicles — with the current market value in the assets column.
List every debt — mortgage, car loan, credit cards, student loans — with the outstanding balance in the liabilities column.
Subtract total liabilities from total assets each month and plot the net-worth figure to visualise your progress.
