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Why net worth beats income as a measure
A high earner with no savings is one layoff from disaster. A moderate earner with a steadily growing net worth has actual financial security. Income is a flow; net worth is a stock. The stock is what you own after everything else is said and done.
How to read your debt-to-asset ratio
Liabilities divided by assets. Under 30% is healthy — most of your balance sheet is yours. 30–50% is normal for homeowners early in a mortgage. Above 50% means you owe more than half of what you nominally "have" — recoverable, but fragile to a market or job shock.
Liquidity matters separately from total wealth
A $500k net worth with $495k in home equity and $5k in cash is not the same as $500k with $100k liquid. The emergency-fund-months metric — liquid assets divided by monthly expenses — is the real resilience number. Three to six months is the baseline target.
Tracking net worth over time
The absolute number matters less than the trend. A negative net worth in your twenties (thanks, student loans) is fine if the slope is up. A flat net worth in your forties is a problem regardless of the level. Check quarterly — often enough to catch drift, rarely enough to ignore market noise.