Go back and fill these numbers in on your financial plan. Start making your short- and long-term goals for the coming year. This is where you attempt to increase your appreciating assets (stocks, bonds, and real estate), while decreasing your liabilities (pay off debt at an accelerated rate while considering opportunity cost all along the way). Here is a simple solution that will work for most of you.
Put as much money as you can per month in stock index funds inside retirement accounts like 401(k)s, 403(b)s, 457s, TSPs and Roth IRAs. At the same time, pay extra on any debt where you are paying 6% or more in interest. This double whammy approach will speed up your wealth building approach as you watch that net worth go up, up and away.
Hold yourself accountable every year, as you strive to increase your net worth from the previous year. If you are on the right course, you will see your net worth go up in most years (there will be a few years where it may go down as your stocks, bonds and/or real estate take their occasional nosedive in their respective markets). You can do this!!!!!!