A seafarer works hard at sea, but earning more is only one part of building wealth. The real question is: How much do you actually own after clearing what you owe?
In today’s lesson, we learn a simple but powerful financial habit:
NET WORTH = WHAT YOU OWN − WHAT YOU OWE
✅ List your assets — savings, investments, property, gold, car, etc.
✅ List your liabilities — home loan, car loan, personal loan, credit card dues, bills, etc.
✅ Calculate your actual net worth.
✅ Review it regularly and focus on increasing net worth, not simply increasing assets.
