Net Worth Tracker and Growth Plan

Prompt

Build a comprehensive net worth tracker and 5-year growth plan.

Current assets (estimate if unsure):
- Checking and savings accounts: [AMOUNT]
- Investment accounts (brokerage, 401k, IRA): [AMOUNT]
- Real estate equity: [AMOUNT OR NONE]
- Business value (if applicable): [AMOUNT OR NONE]
- Other assets: [AMOUNT]

Current liabilities:
- Mortgage balance: [AMOUNT OR NONE]
- Student loans: [AMOUNT]
- Car loans: [AMOUNT]
- Credit card balances: [AMOUNT]
- Other debts: [AMOUNT]

Income and savings:
- Annual income: [AMOUNT]
- Annual savings rate: [PERCENTAGE OR AMOUNT]
- Investment return assumption: [PERCENTAGE]

Build:

1. **Current Net Worth Statement** — Assets minus liabilities. Breakdown by category.

2. **Net Worth Benchmark** — Am I ahead or behind for my age? Thomas Stanley's formula and other benchmarks contextualized.

3. **5-Year Projection** — Where will my net worth be in 1, 3, and 5 years at current trajectory? Show the math.

4. **Growth Levers** — Rank the highest-impact levers: increase income, reduce spending, pay off high-rate debt, invest more aggressively.

5. **Excel Tracker Design** — Month-by-month net worth tracking template. What to enter, what calculates automatically.

6. **Annual Review Process** — How to update the tracker each year and recalibrate the plan.

7. **Milestone Targets** — Net worth goals at 1, 5, 10, and 20 years based on my trajectory.

8. **Wealth Acceleration Ideas** — 3 realistic moves specific to my situation that would meaningfully accelerate net worth growth.