Give Now

Net Worth

I’ve got a trivia question for you. Ready? What’s your personal net worth?

Of course, you have value in who you are. But I’m talking about what you’re worth financially. Net worth is calculated by subtracting your liabilities from your assets.

Assets include valuables: like your home, the market value of your cars, and all your bank accounts.

Liabilities are what you owe: like mortgages, car loans, credit cards, student loans, outstanding medical bills, back taxes, liens and judgements.

Total your assets, total your liabilities and find the difference. If your assets are greater than your liabilities you have a positive net worth. If your liabilities exceed your assets, your net worth is negative.

The goal is to have a positive one. But if it’s negative, don’t be discouraged. You can increase your net worth over time.

Start by growing your savings. Build your emergency fund, then continue saving until you’ve banked 3 to 6 months of living expenses. Consider the purchase of a home, participate in your company’s 401k or retirement program, or diversify your investments.

Decrease your liabilities by reducing debt, capping your lifestyle and avoiding wasteful spending on wants instead of needs.

It takes time to grow your net worth, so pray for diligence and self-control.

A positive net worth is actually a reflection of living God’s way.

You’ll be faced with choices every day. Commit to living a radical lifestyle – one that seeks first His kingdom and His righteousness; and all these things shall be added to you. Do not be anxious for tomorrow; for tomorrow will care of itself.

Track your net worth and praise God when you see improvement!

If you have overwhelming credit card debt, it’s affecting your overall net worth. Our friends at Christian Credit Counselors are here to help you pay it off 80% faster and in full. I highly recommend them – learn more by calling the Crown Helpline at 800-722-1976 or go online at