 Does it need to be more complicated than not at all? Can it be? Yes. Number two, analyze and determine your net worth. Here's one thing I see a lot of people don't do. They don't even know what they own. They couldn't tell you what their house is worth. They couldn't tell you what their net worth is. I keep a spreadsheet. I know exactly to the dollar on all of my assets that you can track by the dollar amount. And on my other assets, I have a financial statement, which