Читать книгу Personal Finance in Your 20s & 30s For Dummies - Eric Tyson - Страница 18

After you total your financial assets and your financial liabilities, you can subtract the latter from the former to arrive at your net worth:

financial assets – financial liabilities = net worth

Don’t worry if you have a small or negative net worth (where you have more debt than assets). There’s no point wringing your hands over the results — you can’t change history. And, it doesn’t matter how you compare with your peers even if we can accurately define exactly who your peers are. This isn’t a competition or test.

But you can change the direction of your finances in the future and boost your net worth surprisingly fast to work toward accomplishing your personal goals. First, you have to figure your savings rate and how to increase it, which I discuss next.