LOVE 10XYOU? SHARE THE LOVE - SEND YOUR FRIENDS AND FAMILY TO 10XYOU.US TODAY
Happy Monday! Hope you had a great weekend.
Before we jump in, a little note.
Remember a month ago when I launched my book, Your Money, Upgraded?
Remember when I told you that it was $17 bucks for a limited time? Well, that time is up this coming weekend.
On Saturday, it's going up to $47. Why?
Because everyone who's grabbed it tells me it's a steal at $17.
260-plus pages. Guides, worksheets, and tools. Links to online communities. Strategies to make and save money.
All with the help of the most powerful thing we've invented so far: AI.
Grab it now - before it goes up!
Ok, enough with the commercial!
If I asked you right now, “What’s your net worth?” could you tell me without opening a dozen apps and dusting off last year’s spreadsheet?
Most people can’t. They kind of know. I’ve got X in checking, maybe Y in my retirement account, and hopefully not too much debt. But that isn’t knowing. That’s guessing.
Here’s the truth: tracking your net worth isn’t just for the wealthy. It’s for anyone who wants to get there. It’s like checking your health; you don’t wait until you’re sick to start tracking your blood pressure.
And spreadsheets? They work… if you’re okay being your own accountant every weekend. AI-powered net worth apps give you a living, breathing view of your money in real time and coach you toward smarter moves.
This isn’t just about knowing where you are. It’s about AI connecting the dots so you can grow that number without turning your weekends into finance marathons.
Spreadsheets Can’t Do This. AI Can.
Traditional net worth tracking is just math.
- Add up assets.
- Subtract debts.
- Done.
That’s fine. But math alone doesn’t change behavior.
AI takes it further:
- It pulls your data in real time from banks, loans, investments, and credit cards.
- It spots patterns you can’t see. Are you bleeding cash slowly? Is your debt growing quietly?
- It gives advice tailored to you. Think: “Redirect $200 per month from this account to pay off that loan. You’ll save $15,000 over five years.”
- It forecasts your future. Want to know how a raise, a big purchase, or a new savings habit will play out? It can model it instantly.
It’s like having a money-savvy friend who’s always awake and has all your numbers but doesn’t make it awkward.
The 6 Steps That Changed Everything
Ready to actually track (and grow) your net worth? Here’s where to start:
1. Get Real About What You’ll Track
Assets: cash, investments, retirement, property value, side hustle earnings.
Liabilities: every debt, even the ones you’d rather not look at.
2. Choose an AI-Powered App
Find one that matches your style. Some are simple. Some are full-on NASA dashboards.
3. Link Everything
Don’t cherry-pick. AI only works if it sees the full picture. Reputable apps use bank-level encryption.
4. Give It a Goal
Do you want to grow your net worth by $50K? Pay off all debt in 3 years? Save for a down payment? Tell the app. It works best with direction.
5. Check Weekly, Not Daily
This isn’t about obsessing over the number. It’s about spotting trends and staying on track.
6. Do What It Suggests
This is the part most people skip. Don’t just watch your net worth. Act on the insights. That’s where the growth happens.
The Apps That Made My Money Make Sense
(All of these sync accounts automatically, provide AI-powered insights, and forecast your future.)
What AI Told Me About My Money
You: “I feel like I’m making money, but I can’t tell if I’m actually getting ahead. Every time I check my bank balance, it feels random.”
AI: “Let’s fix that. Start with an app like Empower or Monarch Money. Once your accounts are linked, you’ll see your real net worth in one dashboard.”
You: “Okay, I’ve linked everything. Now what?”
AI: “Here’s your snapshot: your net worth is $24,750. About 40 percent is tied up in your 401(k). You also have $8,500 in credit card debt.”
You: “Yikes. Okay. What does that mean for me right now?”
AI: “Your short-term cash flow needs attention. You are paying $230 per month in interest. If you redirect $300 per month from discretionary spending to debt payments, you will be debt-free in 28 months and save $4,000 in interest.”
You: “Okay, but I also want to save for a house. Can I do both?”
AI: “Yes. If you maintain a $200 per month house fund while aggressively paying off debt, you will have $6,000 saved in two years, and your debt will be gone. Do you want me to outline that plan so you can follow it step-by-step?”
You: “Yes. Please. That’s way clearer than anything I’ve seen before.”
The Weird Psychology of Watching Your Number Move
Here’s the underrated part: tracking your net worth changes your behavior.
When you see the number regularly and watch it move up or down, you start making better choices almost without trying:
- That impulse buy? You hesitate when you know how it hits your net worth.
- That extra $200? You’re more likely to put it toward debt or investments.
It’s like fitness tracking. Once you see the data, you can’t unsee it. And when AI turns that data into a story—“Here’s where you are, here’s where you’re going, here’s what to change”, it feels like progress, not punishment.
Your Net Worth is a Story. Make It a Good One.
Tracking your net worth isn’t about bragging. It’s about understanding your financial life in one number and using it as a tool for smarter decisions. AI-powered apps give you the scoreboard and the playbook. They help you spot problems early, seize opportunities you’d miss, and stay motivated as that number climbs.
If you want to dive deeper into building wealth without losing your sanity, I cover this mindset in my book, Your Money, Upgraded. Grab a copy and start turning your finances into a story worth telling.
Remember, on Saturday morning, August 9th, it's going up to $47. Snap it up now.
Have a great rest of the week