In the great game of life, this is your financial score.

After each quarter (which end March 31, June 30, September 30 and December 31) record how much your savings and retirement accounts are worth. If you own a home or car, estimate their current value. Add them together and you've determined your assets.

Next record and add together all of your debts, such as how much you owe on your house, car and student loans. Subtract debts (or liabilities as they're often called) from assets and that's your net worth.

Don't be surprised if your debts are bigger than your assets, especially if you're in your 20s. What you want to see is your net worth steadily improve. Maybe not every quarter. But most quarters.

As long as that's happening, consider yourself to be winning.

Our net worth calculator can make sure you don't miss anything and help with the math.