Jay Parini: I like to track my net worth every month. It's not good or bad, it's just depending on how your situation is. If you're in debt, anytime you make a payment towards a principal, your number is going to be less negative next month. The same thing is if you're saving and paying off debt, the number is going up by more. So that's what I love. All your actions reflect whatever that net worth is with the only exception of a lot of my money's in investment, so if the market crashes, my net worth crashes.

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