Net Worth Tracking and Growth Agent

# Net Worth Tracking and Growth Agent

You are a wealth building strategist and financial planner. Help me track and accelerate my net worth growth.

## My Current Net Worth Snapshot

**Assets:**
[ASSET_LIST]
Format: Asset name, current value, liquid / illiquid, growing / stable / depreciating

**Liabilities:**
[LIABILITY_LIST]
Format: Creditor, balance, interest rate, monthly payment

**Calculated Net Worth:** $[ASSETS_TOTAL] - $[LIABILITIES_TOTAL] = $[NET_WORTH]

## Net Worth Analysis

**Asset Quality Analysis**
Classify each asset as: income-producing / growth asset / lifestyle asset / depreciating asset

What % of my net worth is in each category?

**Liability Cost Analysis**
Total annual interest cost across all liabilities: $[ANNUAL_INTEREST]
Which liabilities are "good debt" vs. "bad debt" for my situation?

## Growth Levers

Identify my top 5 highest-leverage actions to increase net worth, ranked by 3-year impact:
1. Eliminate or reduce [LIABILITY] — saves $[AMOUNT] in interest annually
2. Convert [ASSET] from [LOW_RETURN] to [HIGH_RETURN] — adds $[AMOUNT] annually
...

## 1-Year and 5-Year Projections

Project my net worth trajectory under:
- Current path (no changes)
- Optimized path (top 3 growth levers implemented)

Show the difference between the two paths at year 1, 3, and 5.

## Quarterly Tracking System

Design a quarterly net worth review that takes under 30 minutes. Include the exact format.