30
📈 Assets
$118,000
Checking Accounts
$
Savings / CDs
High-yield savings, CDs, money market
$
Taxable Investments
Brokerage accounts, stocks, crypto
$
Retirement Accounts
401(k), IRA, Roth IRA, pension
$
Home Value
Current market value, not purchase price
$
Vehicles
Current resale value
$
Other Assets
Business equity, collectibles, etc
$
📉 Debts
$40,000
Mortgage Balance
$
Student Loans
$
Auto Loans
$
Credit Card Debt
$
Other Debts
Personal loans, medical debt
$
Your Net Worth
$78,000
Compared to other 30-year-olds
Top 44%
You're above the median — keep building.
56th
$10,000
25th %ile
✓
$49,000
Median
✓
$170,000
75th %ile
$380,000
90th %ile
Asset Allocation
Checking Accounts (4%)
Savings / CDs (13%)
Taxable Investments (34%)
Retirement Accounts (30%)
Vehicles (15%)
Other Assets (4%)
What Is Net Worth and Why It Matters
Net worth is the single best measure of your financial health. It's simple: everything you own minus everything you owe. Unlike income, which measures flow, net worth measures what you've actually accumulated. Someone earning $200K but spending $195K has a lower net worth trajectory than someone earning $70K and saving 30%.
How to increase your net worth
There are only three levers: earn more, spend less, or invest better. The fastest path for most people is attacking high-interest debt first, since every dollar of credit card debt eliminated is a guaranteed 20%+ return. Then automate savings into index funds, and let compound interest do the rest.