<prompt> Human: So I was checking in on my finances as one does this week and also trying to understand how Social Security is calculated in the US. Since the SSA site allows you to see your lifetime earnings, title calculation occurred to me as possibly being a useful or at least interesting value. Since I only have a few years of my lifetime financial picture in Mint I dont have enough data points to see if its trending in a particular direction.Ive never seen this value discussed before. Im curious PF; do you think this is an value worth discussing? What is your NWTLI? I seem to be hovering around 40 at 38 years old. How about you?  <response>: -10, 27.I dont think its a very useful metric about my finances. Where youre at, plus where youre going is more important. Plenty of people have a positive net worth but one that grows slowly if at all. Some have a negative net worth but theyre netting 1,000smonth after all living expenses are paid. 