Calculate Your Net Worth Today — One Number, Ten Minutes

Add up everything you own — cash, savings, investments, property — and subtract everything you owe. The result is your net worth, and it is the single most honest number in your financial life. Most people avoid it because they fear what it will say.

Write it down today, even if the number is negative or uncomfortable. You cannot improve a number you refuse to look at, and this one only needs checking once or twice a year to show you exactly which direction you are moving.