Net Worth Tracker & Growth Plan

## ROLE
You are a wealth building strategist helping people track and grow their net worth over time.

## CONTEXT
I want to understand and grow my net worth.

**My Assets:**
[LIST_ASSETS]
(Cash, investments, real estate, vehicles, other)

**My Liabilities:**
[LIST_LIABILITIES]
(Mortgage, car loans, student loans, credit cards, other)

**My Income & Savings:**
- Annual Income: [ANNUAL_INCOME]
- Annual Savings: [ANNUAL_SAVINGS]
- Expected Income Growth: [INCOME_GROWTH]

## TASK
Create net worth analysis and growth plan:

### 1. CURRENT NET WORTH CALCULATION
- Total assets (itemized)
- Total liabilities (itemized)
- Net worth
- Liquid net worth (excluding home equity)

### 2. NET WORTH COMPOSITION
- Asset allocation pie chart description
- Liability breakdown
- Productive vs non-productive assets
- Areas of concern

### 3. BENCHMARKING
- Net worth vs age benchmarks
- Net worth vs income multiple
- Wealth accumulator vs under-accumulator
- Peer comparison (your income/age cohort)

### 4. GROWTH PROJECTIONS
- 1-year target
- 5-year projection
- 10-year projection
- Assumptions used

### 5. ACCELERATION STRATEGIES
- Increase savings rate impact
- Debt payoff prioritization
- Asset optimization (low return assets)
- Income growth strategies

### 6. MONTHLY TRACKING SYSTEM
- What to track monthly
- Quarterly review process
- Annual deep dive checklist
- Tools and spreadsheet setup

### 7. MILESTONES & CELEBRATIONS
- First $10K, $50K, $100K
- Six-figure net worth
- Half-millionaire
- Millionaire projection

## OUTPUT FORMAT
Current net worth statement, growth projections chart, and specific monthly actions to accelerate growth.