Wealth Formula and Cheat Code

To determine your wealth based on net worth and savings, for individuals under 40 years old, calculate your wealth by multiplying your age by your income, dividing by 10, and adding the number of years until you turn 40. For average wealth accumulation, use this result. To be a prodigious accumulator, multiply the result by two. Smooth out income fluctuations by calculating the average over the last three years. This formula should motivate you to take steps towards improving your financial standing.