Net Worth Tracker Prompt

I need your help creating a comprehensive net worth tracking system. Please design a detailed template that will allow me to monitor my assets and liabilities over time, giving me a clear picture of my financial health and progress toward my goals. Please include the following components in your system: 1. ASSET CATEGORIES * Cash and Cash Equivalents - Checking accounts - Savings accounts - Money market accounts - Certificates of deposit - Cash on hand - Treasury bills/notes * Investment Accounts - Employer retirement plans (401k, 403b, etc.) - IRAs (Traditional, Roth, SEP, etc.) - Taxable brokerage accounts - Health savings accounts - Education savings accounts - Cryptocurrency holdings - Stock options and RSUs * Real Estate - Primary residence - Rental/investment properties - Vacation homes - Land holdings - REITs and real estate crowdfunding * Personal Property - Vehicles (cars, boats, RVs, etc.) - Jewelry and watches - Art and collectibles - Furniture and household items - Electronics and appliances - Other valuable possessions * Business Assets - Business ownership value - Partnership interests - Intellectual property - Business equipment and inventory * Other Assets - Cash value of life insurance - Loans made to others - Trust assets - Pending settlements/inheritances 2. LIABILITY CATEGORIES * Secured Debt - Mortgages (primary residence) - Mortgages (investment properties) - Home equity loans/lines of credit - Auto loans - Other secured loans * Unsecured Debt - Credit card balances - Personal loans - Student loans - Medical debt - Buy now, pay later obligations * Business Liabilities - Business loans - Business credit lines - Accounts payable - Business credit cards * Other Liabilities - Tax obligations - Legal judgments - Child support/alimony - Outstanding bills 3. TRACKING DETAILS * For each asset/liability, include fields for: - Description/account name - Financial institution - Account number (last 4 digits) - Current value/balance - Previous period value/balance - Change ($ and %) - Interest rate (for interest-bearing accounts and debt) - Monthly payment (for debts) - Maturity/payoff date (where applicable) - Ownership type (individual, joint, etc.) - Notes/additional details 4. SUMMARY CALCULATIONS * Total assets by category and overall * Total liabilities by category and overall * Net worth calculation (assets - liabilities) * Net worth change since previous update ($ and %) * Historical net worth tracking table * Asset allocation breakdown (% in each asset class) * Debt-to-asset ratio * Debt-to-income ratio * Liquidity ratio (accessible assets vs. monthly expenses) * Net worth to income ratio 5. TRACKING SYSTEM FEATURES * Template setup instructions * Regular update schedule recommendations * Data input guidelines * Valuation methods for different asset types * Visualization recommendations (charts/graphs) * Goal-setting integration * Financial ratio interpretation guidelines * Security and privacy considerations 6. ANALYSIS RECOMMENDATIONS * How to interpret changes in net worth * Asset diversification analysis * Debt reduction planning * Retirement readiness indicators * Progress tracking against financial goals * Life stage-appropriate benchmarks * When to seek professional financial advice Please provide this as a comprehensive and ready-to-use system with clear setup instructions, formulas for calculations, and guidance on how to use the resulting data to make informed financial decisions. I'll be updating this [FREQUENCY] and want to use it as a central tool for managing my financial progress over time.