Tracking debts as negatives

You can download Evan’s free monthly budgeting spreadsheet here: https://einvestingforbeginners.com/budget/

In this episode of At Any Rate, Evan Raidt walks through the exact system he uses to track his personal financial progress—without obsessing over every transaction or living on extreme “never spend money” rules. Over the past few years, Evan has nearly quadrupled his net worth using boring (but powerful) fundamentals: consistent saving, simple investing accounts, and heavy automation.

Evan breaks down his monthly financial check-ins, how he reviews whether he actually stuck to his budget, and how he tracks net worth over time using a simple spreadsheet. He also explains what he includes in net worth (including the controversial stuff like car value and home equity), why tracking trends matters more than a single number, and how a quick monthly update can help you catch problems early and stay motivated.

Topics Covered:

Why tracking financial progress is motivating

Monthly financial check-ins

Evan’s automation-first approach

Building a simple net worth tracker

Why Evan includes car value & home equity in net worth

Timestamps:

00:00 Intro

01:30 Evan’s results & why “boring” fundamentals work

02:30 Free budget sheet: https://einvestingforbeginners.com/budget/

04:55 Why tracking progress matters

09:40 The two-part system

12:35 Monthly budget check-in

14:10 Automation approach 

15:10 Setting up a net worth spreadsheet

18:20 Including car value & home equity (and why Evan does it)

20:40 Tracking debt as negative values

24:00 Graphing net worth over time 

27:05 Closing

Resources Mentioned:

Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/

Email Evan: evan@einvestingforbeginners.com

Have feedback on the solo episodes (good or bad) or want Evan to share a simpler version of his net worth tracker? Comment below or email him—he’d love to hear from you.

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

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