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Net worth and cash flow, plainly explained.
How to calculate your net worth
Net worth is what you own minus what you owe. A plain walkthrough of what to count, what to leave out, and how often to recalculate.
What is a good net worth by age?
Median US net worth by age group from the Federal Reserve, and why direction matters more than any benchmark.
Assets and liabilities, with examples
What counts as an asset, what counts as a liability, and the gray areas in between.
What is personal cash flow?
Cash flow is the movement of money in and out over a period. What it measures, how it differs from income, and why it predicts more than a balance.
Positive and negative cash flow
What each means, how a single month can mislead, and what to look at before drawing a conclusion.
Debt-to-asset ratio, explained
How to calculate your debt-to-asset ratio, how to read it, and how it differs from debt-to-income.
Savings rate, explained
Savings rate is the share of income you keep. How to calculate it and what it says about the growth of your net worth.
Tracking net worth as a couple
How couples and families can build one shared picture of net worth without merging every account.
How often to check your net worth
Why checking less often usually gives you better information, and what rhythm suits different kinds of holdings.
