<prompt> Human: I do not work in finance and have some pretty basic excel skills. When we got married I decided it would be neat to see just how we were doing every month. So... Ive been tracking my net worth for seven years and while monthly gains are often unnoticeable - it is obvious what is happening when I look at the corresponding graph. My spreadsheet linked picture - not actual sheet shows percentage assets in everything from liquid assets 24 to my kids education fund 1.9. My favorite part is seeing the debt line go down. My suggestion to others is - if you are having trouble picturing where you want to be or where youve been make a graph. It keeps me on my toes to maintain my investments and shows me how paying off debts really helps the familial bottom line. Keep chugging along - and invest your money - most of my gains have been in the market. Every little bit helps in the long run!I am more than open to suggestions on how to make this better! Enjoy! Graph:Monthly Spreadsheet: edit. Since a few have asked - we dont have a budget. We just spend what we have and have our billssavings taken out automatically. Could we do better? Yes - but I think weve been doing okay as is so I dont have a strong desires to change anything.edit 2 - Ive been asked by reddit mods not to share my spreadsheet due to security risks, both for myself and reddit. thanks for understanding!Assistant: 400k increase in 5 years on 100k gross income? something is off here...Human: 356k total increase. 138k of that was market gainscontributions.50k was gifts145k from retirement account growth23k from investments, real estate, misc.we save about 20 of our gross income.  <response>: makes sense. was pretty bull market. 