Notes on net worth, saving and financial independence
Practical articles with the arithmetic shown, so you can check every number and apply it to your own.
How to track your net worth with an AI assistant
Connect worthtracker to Claude, ChatGPT or another AI assistant and ask about your numbers in plain words. Here is how to set it up and how to stay safe.
- 8 min read
Your savings rate is the number that matters most
Your savings rate decides how long it takes to reach financial independence more than your income or your returns. Here is how to measure it and why it works on both sides.
- 9 min read
Coast FIRE explained: when you can stop saving for retirement
Coast FIRE is the point where the money you have already invested can grow to your retirement target on its own. Here is the formula, worked examples and the risks.
- 7 min read
Asset Allocation for Beginners
Diversifying your portfolio is not complicated. Here is what you need to know.
- 7 min read
The FIRE Movement: A Practical Guide
Financial Independence, Retire Early is more than a trend. Here is how it works.
- 6 min read
Why You Should Track Your Net Worth
Understanding where your money sits is the first step to growing it.
- 5 min read
Real Estate vs Stocks: Where Should You Invest?
The great debate settled with real numbers, not opinions. Both asset classes build wealth, but one might suit your situation better.
- 6 min read
7 Passive Income Streams That Actually Work
Skip the hype. These are income sources that real people use to build wealth while they sleep.
- 6 min read
How Much Should Your Emergency Fund Be?
The real answer is not always 3-6 months. Your situation determines the right number.
- 6 min read
The Magic of Compound Interest (With Real Numbers)
Einstein may or may not have called it the eighth wonder of the world. Either way, the math does not lie.
- 8 min read
The 50/30/20 budget rule explained
Split your take-home pay into needs, wants and savings. What goes in each bucket, a full worked example, and what to do when rent alone takes half your pay.
- 6 min read
Snowball vs Avalanche: The Best Debt Payoff Strategy
Two proven methods for crushing debt. One saves you more money. The other keeps you motivated. Which wins?
- 8 min read
Crypto in your net worth: how to value it, size it and track it
How to value crypto on a net worth statement, what a 70% drop does to your total at different position sizes, and why where you hold it matters as much as what you hold.
- 6 min read
What Should Your Net Worth Be at Every Age?
Benchmarks are useful, but your journey is personal. Here are the numbers, the context, and the reality checks.
- 7 min read
Financial Independence in Europe: A Different Playbook
FIRE in Europe is not the same as FIRE in America. Higher taxes, stronger safety nets, and different investing options change the equation.
- 8 min read
9 net worth tracking mistakes and what to do instead
Small valuation and recording errors add up, and most of them push the number up. Nine common mistakes, a worked home example, and a simple fix for each.
- 8 min read
Index funds: the boring investment that beats most professionals
What an index fund is, why low costs compound in your favour, how a world fund differs from a US one, and what an index fund will not protect you from.
Try the numbers yourself
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