Net Worth Statement Skill

Net worth is the single best snapshot of financial health — and tracking its trend matters more than the number. This skill turns someone's assets and debts into a clean net-worth statement, with a few useful ratios and a simple way to track it over time. Educational, not personalized financial advice.

Required Inputs

Ask for these only if they aren't already provided:

• Assets — cash/savings, investment & retirement accounts, property, vehicles, other valuables (current values).
• Liabilities — mortgage, car loans, student loans, credit cards, other debts (current balances).
• Context (optional) — age/stage and goal, so the read is meaningful.

Output Format

Net worth — [name] · as of [date]

Assets

Asset	Type (liquid / invested / fixed)	Value
		$
Total assets		$

Liabilities

Liability	Balance	Rate
	$	%
Total liabilities		$

Net worth: $X (assets − liabilities)

Quick ratios

• Liquid assets: $X (≈ N months of expenses, if known) — emergency-fund read.
• Debt-to-asset ratio: X% — lower is stronger.
• Liquid vs. fixed vs. invested split — is wealth accessible or locked up?

Read — one honest paragraph: what's strong, what's the biggest risk (e.g. concentration in one asset, high-rate debt, thin liquidity).

— record net worth monthly or quarterly; what to watch is the , not any single month. A simple table to copy forward: