How to Use AI Advisor to … Know Your Net Worth

Do you ever wonder how the concept of “net worth” applies to those of us not on the Fortune 500 list?  

It’s both pretty simple and pretty daunting: a measure of your assets minus your debts and liabilities. Sure, it’s much less relevant on a daily or weekly basis than things like budgeting or spend tracking, but figuring out how it impacts your life in the long term helps you make informed decisions and be able to confidently plan your future. And that’s where AI Advisor comes in, to help you understand your net worth now and meet your future net worth goals. 

To that end, here are two questions you can ask AI Advisor to get a firm grasp on your net worth.

Understand the broader context by asking, “What's considered a good net worth?”

A "good" net worth depends on your age and goals. The typical American under 35 has a median net worth of $39,000, while the top 10% threshold sits at $370,000.Your positionYour net worth of $701,375 puts you well into the top 10% for your age group — $331,375 above that threshold. You're also 70% of the way to high net worth individual status ($1 million in investable assets), with $298,625 remaining to reach that milestone.

Rather than focusing on demographics, consider these practical markers:

• Emergency foundation: 6-12 months of expenses in accessible cash
• Debt management: Minimal or no high-interest debt
• Retirement trajectory: On pace to replace 70-80% of income in retirement
• Goal alignment: Sufficient assets to fund what matters most to you

With your strong foundation at 32, you're positioned to focus on optimization strategies — tax efficiency, asset allocation, and wealth acceleration tactics that matter more at higher net worth levels.

Get specific to your financial future by asking, “What impacts my net worth the most?”

The three primary drivers:

• High savings rate (your biggest advantage): Your average monthly savings of $9,938 (46.3% of income) is exceptional. Over 10 years at your current rate, this discipline alone adds $1,192,540 to your net worth —even with zero investment returns.
• Investment returns on accumulated wealth: Your current $165,006 investment portfolio growing at 8% annually produces $191,230 in gains over 10 years. More importantly, investing your monthly savings creates hundreds of thousands more wealth than just saving in cash.
• Income growth trajectory: Your income has been climbing (from $20,000 to $25,397 monthly in the past couple years). If this 5% annual growth continues and you save 30% of raises, that's nearly an additional $1 million in wealth-building capacity.

What matters less right now

• Debt elimination: Your $65,262 student loan creates an immediate net worth boost when paid off, but it's relatively small compared to your growth drivers.
• Asset appreciation: Your $114,500 in vehicles typically depreciate rather than grow wealth.
• Cash holdings: Your $491,986 in cash provides security but generates minimal returns.

The bottom line

Your savings rate is your superpower at your age. The combination of aggressive saving plus consistent investing could grow your net worth to $2,682,485 in 10 years, assuming 8% returns. The key is keeping that money invested rather than sitting in cash.

TLDR: Beyond the percentile ranking, you'll understand which benchmarks actually matter for financial security — so you can focus on practical progress instead of arbitrary comparisons.

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