Assets (today's values)

• Cash & HYSA: $________
• Brokerage / retirement (401k, IRA): $________
• Home equity estimate: $________
• Other (car equity, HSA): $________ · Total assets: $________

Debts

• Mortgage: $________
• Auto / student / personal loans: $________
• Credit cards: $________
• Other: $________ · Total debts: $________

Scoreboard

• Net worth = Assets − Debts = $________
• Last quarter: $________ · Change: $________
• One lever to improve next quarter: ____________________

Rules

• Use the same method every quarter
• Do not obsess weekly — quarterly is enough
• Celebrate debt kills and savings rungs, not market noise