How To Multiply Your Net Worth Over The Next 2 Years

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The first step in building your net worth is to get rid of debt. Net worth is another term for equity or residual value, meaning assets minus liabilities.

Therefore, lowering debt becomes a strategy to increase your net worth by realizing guaranteed returns on the interest you don’t pay.

This compares to the expected returns you earn on investments like stocks, real estate, or other assets you buy which earn a return.

One of the best ways to increase net worth is through smart investments. Buying a suitable car for your situation, a house you can afford or renting in a location that fits comfortably into your budget, and keeping extravagant expenses low all act as important steps.

Net worth doesn’t necessarily equate to rich. For some, having a positive net worth is a goal well worth pursuing. When we live with debt, the size of our net worth is often negative.

When people with high debt balances on a mortgage, student loans or credit card debt see their net worth go from negative to positive, they often have a reason to celebrate for turning debt into wealth.

The following pathways help you to build personal savings in a bank account, the market, housing and more while learning to manage your financial health and grow your wealth over the short term and long term.

Building your net worth is a process that could lead you to your magical number where you feel you have enough savings and funds built up to care for your family and not need to worry so much about the next time funds will come through the door.

1. Pay Off Credit Card Debt

man disputing error on credit report

Interest-bearing loans are a liability and can hurt your ability to boost your net worth. As you’re able, pay off all of your debt and ensure that no penalties are applied for early or frequent payment (as is the case with some mortgages).

The best ways to grow your assets and increase net worth include targeting debt with the highest interest rates first, then paying other debts off as you go.

Consolidating your debt through a lower rate personal loan to pay down high-yield debt is a time-tested strategy. It is possible to pay off debt, increase your assets, and grow your net worth. Have a plan for getting from A to B and manage your payments within your budget.

One of the easiest ways to grow your assets is by tapping into any extra savings or income you have and making an extra payment to reduce your debt burden.

Shed this debt fast and watch your net worth rise fast.

Consider using an app like Tally to accelerate your credit card debt repayment. Tally makes it simple to stay on top of your credit cards.

Tally works by scanning your cards and determining whether you qualify for a line of credit with a low APR. They’ll even help to manage all your payments.

The service doesn’t allow you to end paying late fees without gimmicks. Just a faster way to pay down your balances.

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Related: Best Debit Cards for Kids and Teens

2. Build an Emergency Fund

parent child sunset

An emergency fund is an account containing cash set aside to cover urgent necessities such as sudden health problems or automobile emergencies. But they can also cover expenses like:

Home-appliance repair or replacement.

Unemployment.

Unexpected travel.

Family emergency.

One way to grow your assets and increase net worth is to create an emergency fund that can help you stay financially afloat without having to rely on any other money, especially high interest debt from credit cards or expensive personal loans.

It is crucially important that you have an emergency fund of savings if you have debt, because it can help avoid taking out more loans.

One of the first things to do when getting out of debt is to not go further into debt. It seems simple and straightforward, but if you’ve got debt to your name, you know you don’t want it to be to your name. You want it gone.

So, how much should you have set aside in your emergency fund? It depends on your situation.

For simplicity, the best place to start is by setting a dollar target that proves challenging but not so much that you can’t ever motivate yourself to achieve it. If starting small, consider starting at a lower milestone like saving $500.

As you can afford to save more, work your way up and try to reach half a year’s expenses before contributing money toward your retirement.

Though, the right amount for you depends on your financial circumstances. It is a good idea to maintain enough assets to cover individuals living expenses for up to six months.

If your job or income earned by your family has less predictability (like you work as a freelance financial writer or in seasonal work) or proves harder to replace, consider having a bigger buffer saved in an emergency fund.

To manage any unexpected unemployment, you can utilize your savings to help with any necessary expenses and supplement any benefits provided by the government. Start small, but start.

One of the most basic ideas to grow your assets is having even $500 saved. This could help you out in plenty of tough financial situations.

If you don’t already have an emergency fund set up for you and your family, consider opening a high-yield savings account which you can easily access.

This might be through your existing bank but it could also be through an online-only bank like CIT Bank. That way, you can access it from anywhere and it remains separate from your daily banking activity.

CIT Bank has a Savings Builder product which offers competitive interest rates and can connect with many other financial institutions, allowing for easy transfers.

Having quick access to emergency funds is imperative in order to prevent circumstances from getting out of hand. Therefore, you shouldn’t tie up these funds in a long-term investment or something illiquid.

Though, the account shouldn’t be so easily accessed that it sits in the same bank account you use daily. Having it reside at a separate banking institution might avoid temptations to dip into your rainy day fund and depleting your financial reserves.

Having a savings account with a high-interest rate will make you money while you sleep and allow it to work for you. These accounts carry federal insurance up to $250,000, making the funds safe.

The money can earn interest, and you have access to your cash when needed whether through withdrawal or a fund transfer. Consider an online-only, high-interest savings account through CIT Bank to establish your emergency fund.

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3. Pay Off Student Loans

successful woman celebrating

Millennials and Gen Zers have a mountain of student loans to their names. The Federal Reserve estimated as much as $1.6 trillion in student loans exist today.

This number looks set to climb despite the temporary reprieve many borrowers received due in part to efforts from Presidents Trump and Biden for deferring student loan payments for all federal borrowers during the pandemic.

Many will begin repaying these loans this fall when the deferment ends, leading to the reemerge of the classic question of, “Should you invest or pay off student loans?”

In most cases, it makes sense to do both simultaneously. Borrowers should consider the rate of interest they currently pay and whether they think they can get a better return in an investment like the stock market.

You want to maximize your expected return on your money within your acceptable risk tolerance.

This will reduce what you owe on your student loans while also growing your assets through investments.

One way to reduce your interest rate is through refinancing your student loans. To bring down the costs of these loans, many have sought using refinancing options through services like Splash Financial, an online student loan refinancing marketplace.

The service pulls real-time quotes from several refinancing lenders in the market to give you a sense of the best refinancing option available to you.

My wife used a loan refinancing marketplace when her first round of student loans required payments to start and she dropped her rate from 8.00% to 2.85%, reducing her average rate by 515 basis points, saving us thousands in interest over the life of the loans.

By rapidly cutting what you owe and freeing up more funds to pay down the debt faster, you can increase your net worth quicker.

For those in a similar situation with high-cost student loans, consider using Splash Financial to find your best rate and lowering your cost of repayment. Depending on the savings you can receive, this guaranteed savings often makes for a wise financial decision.

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Once young adults can put their student loans in good standing, they should turn to investing for the future and growing their net worth through their retirement accounts.

4. Max Out Retirement Contributions

working at computer

Many private employers offer 401(k) retirement accounts that provide great tax advantages for saving and investing your money. For example, many employers have matching programs that will help you to grow your contribution and build wealth faster than you could by yourself.

You also have other tax-advantaged accounts available to you as well, such as Traditional and Roth IRAs, or individual retirement accounts.

Taking advantage of these accounts keeps money invested for the long-term through mutual funds, stocks and other investment options. It grows in value and builds your savings balance as you approach retirement.

Using these accounts saves you tax expenses and invests your income for the long term.

Use these employer-matched funds to upsize your retirement contributions and grow your income further by getting more money to save. By choosing to ignore such programs, you leave money on the table.

Retirement contributions serve two benefits. First, in the case of traditional retirement accounts, they allow you to defer your taxable income to your lowest earning years in retirement and second, act as a way to increase your available investment assets.

Achieving your retirement goals can be slowed by taxes. Taking action now will prevent this and help you achieve your goals quicker.

Start contributing to your employer-sponsored plan and consider investing in low-cost index fund mutual funds or even target date funds aligned to your desired retirement date.

These funds invest in stocks and bonds and transition the amounts you hold in each over time as you near retirement.

They automatically switch your savings goals from wealth accumulation to wealth preservation, de-risking your retirement assets and working toward providing you a retirement income.

You can invest in investment vehicles like these through your own IRA as well. Though, IRAs offer many more investment choices for you to consider.

Apps like M1 Finance offer you an all-in-one investment management experience, complete with access to an IRA.

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5. Live Below Your Means by Cutting Expenses

invester reviewing financial information

It’s not easy to maintain a lifestyle that doesn’t require much money. But you might end up with more cash if you’re willing to live on less.

Taking the first step toward living below your means (and possibly no longer hemorrhaging money) begins with making a list of your expenses.

Try to include everything from the things you spend money on every day, like food and transportation, to items that are only purchased once in a while.

Then, take time to consider the items on your list and determine if they’re necessities or luxuries.

Start small and work your way down the list of things that don’t make financial sense for you, from eating out at restaurants every day to buying clothes you don’t need. As you go, you’ll also need to reevaluate major money decisions in your life.

That’s because it’s not enough just to cut back on the little things, you have to be intentional about it and work your way up the expense categories.

Doing so will require a financial plan that accounts for your needs and wants while still giving you some leeway in terms of what luxuries or indulgences you can afford.

No matter how good your intentions are when trying to live below your means, you’ll need conviction to make the hard changes necessary to spend less.

Remember, living on less than you earn can be a great way to build your net worth and prepare for the future.

You might think living below your means is impossible, but by making a concerted effort little by little, you can manage your expenses and leave more money for debt repayment or saving.

You can track all of your expenses and visualize your money through using a budgeting app like Simplifi by Quicken.

The app allows you to see your entire financial life in one place, providing you with a comprehensive tool for budgeting, tracking your investments and planning for retirement.

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6. Pay Yourself First

young woman investing on smartphone

Leveling up your decision to live below your means involves paying yourself first.

Pay yourself first means that you set aside money for your future before you make any other financial moves.

It’s not an easy feat, but if you can start with small changes like canceling unused memberships or making a standing order to put funds away in savings on payday it’ll get easier the more committed you are.

There will be opportunities to increase your savings as you grow and progress in your career. Though, that doesn’t mean you should delay saving more now.

Rather, the earlier you start to pay yourself first through higher savings and contributions to your investment accounts, the more time you’ll allow compounding returns to work for you.

Compound interest occurs when you earn not only on the initial investment but also its accumulated earnings from previous years (or months).

You can also work toward building passive income streams by, for example, investing in real estate, buying income generating assets and the best investments or starting a side hustle.

Look here for a full list of passive income ideas.

7. Invest in Yourself

woman in mirror

One way to pay yourself more first is through investing in yourself. You may have heard of it before, but the best investment you can make is in your own education.

This could mean pursuing more rigorous job training programs or paying for a certification course through a company like Udacity to improve your skill set and grow into higher-paying positions with better benefits.

Flipping this equation around, if we invest in ourselves first then money will flow into our checking accounts quicker.

It is also important to invest in our health. This can happen by taking care of your body and mind with regular exercise, nutritious food, sufficient sleep for the individual and their family members, relaxation techniques like meditation or yoga as well as mental wellness practices that include therapy sessions when necessary.

These investments will help grow net worth by living longer and enjoying the life you have. You can also consider giving financial gifts or even how to gift stock if you’ve earned enough and want to help out someone you love.

8. Keep Money You Have Saved In Places It’ll Grow

evaluating investments

You may already have a savings account because you’ve got an emergency fund with enough set aside to cover at least three to six months of expenses. But are you using it?

Your checking account should have a balance that covers your regular spending and everything else should be in an interest-bearing bank account earning you returns. Even better, invest what you can.

Even if you’re saving for yourself in a mattress in your bedroom (figuratively), that should not be your long-term goal. You want that money to turn into more money.

Further, resist the urge to spend a windfall. Invest it so you will continue to benefit in the future.

Most people tend to be risk averse, so consider investing in index funds instead of trying to pick stocks yourself. Although, by choosing to add individual stocks to your portfolio, this can open your returns up to higher potential.

If you don’t know where to look, consider subscribing to one of the best stock picking services or signing up for an investment newsletter to learn about stocks.

You can learn how to research stocks and perform stock analysis to uncover growth companies worth investing in for the long-term.

One service worth considering is Motley Fool’s Stock Advisor. The subscription recommends investing in “Steady Eddies,” or companies that perform well over long-periods of time and deliver consistent returns.

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9. Buy Your Forever Car

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It is a sure bet that any car you buy today will be worth much less in one year’s time. That’s the case in almost every situation, save perhaps the period immediately following the pandemic.

Cars depreciate rapidly as you drive them and rarely act as physical things that appreciate in value. Add in maintenance costs, insurance premiums and operating expenses (gas) and you have an understanding of the true cost of owning a car.

Every time you buy a car, it inevitably leads to a decrease in your net worth. Buying a car means you will be paying interest and depreciation over the course of that vehicle’s life. Purchasing vehicles only when they are necessary can significantly reduce these financial penalties.

10. Buy Your Forever Home

painted ladies houses san francisco common tax deductions

Buying a home often represents the single largest purchase you’ll ever make. While there are many different strategies for spending your money, buying a home is generally considered one of the most sound investments you can make in terms of increasing net worth.

The reason it’s so powerful has to do with leverage and return on capital: A person who buys a house usually puts down 20% or less of the purchase price as cash, while borrowing 80% from a lender.

Over time, the home price should appreciate in value and generate equity.

The home’s value is leveraged by the homeowner who typically pays less in interest rates and has more time to pay off the debt than a renter, which means they get an improved ROI on their investment.

Additionally, homeownership may also help you build wealth and income by treating part of it as a rental property. You can rent out rooms or even purchase a separate property to treat as rental property and earn extra money.

Regardless of your intended use, by purchasing a forever home and living in it for many years, you can build equity for when you later in life decide to downsize and take out the equity for retirement.

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11. Avoid Liabilities, Acquire Assets

tax advantaged investment accounts

One of the smartest choices in personal finance is to acquire assets and avoid liabilities. The first thing you should think about when evaluating your personal financial situation is how to grow assets and minimize liabilities.

The best way for Americans to build wealth, short term or long term, is by acquiring assets.

Taking on no debt, though, might not be the smartest choice. For example, taking out student loans to finance a medical career or buying a home in a nice area with a mortgage serve as good financial decisions for the long-term.

You want to use debt strategically for investments in your life, not for frivolous expenses on wants. Being smart and using liabilities to increase your long-term net worth can serve as a strong decision to compound your returns with someone else’s money.

Sometimes, high-yield investments justify the cost of debt to get them in your hands.

12. Get Extra Money from Freelancing

man sitting at laptop thinking medium

Another way to earn more money and build your net worth comes from augmenting your income. You can do this by getting promoted at work but also by taking on freelance work on the side as well.

Freelancing in your line of work or doing something you enjoy can be a side hustle, but also your main source of income.

Working as a freelancer means you likely won’t get any added employment benefits like health insurance or paid time off, but instead, you should receive a higher rate or compensation to account for this.

13. Improve Your Financial Health

couple reviewing investments

Improving your financial health requires planning and looking into your finances to identify areas of financial stress in your life. Consider the following steps to improve your financial position:

Determine where you’re starting from and establish goals for where you want to go.

Tell your money where to go and what you want it to invest toward down the line. Less money on a credit card and more money in a retirement account or investment account invested in the market.

Start to spend less, live within your means and pay yourself first.

Begin planning for your future and what it might entail.

Take actions to accomplish this future and put yourself in a better financial position.

By following these steps, you’ll learn how to increase net worth for yourself sooner than later.

14. Protect Your Net Worth with Insurance

earned income tax credit young family young and the invested

Once you’ve started to build your net worth with good personal finance choices, you’ll want to protect it. When you’ve got nothing to lose, it’s easy not to think about what could go wrong.

When you’ve got something on the line, you need to watch your bottom line and look for ways to protect it.

One way of watching the eggs in your basket comes from buying insurance through a life insurance policy, personal insurance policy, liability insurance, umbrella coverage and more.

Depending on your unique situation and needs, you might consider getting free quotes from relevant insurers like Fabric to understand how much protecting what you’ve built could cost.

Having financial peace of mind after accumulating a positive net worth adds icing to your cake.

Here are some reviews of popular life insurance companies which might help you with your decision to buy financial protection for your family:

Fabric Life Insurance Review

Haven Life Insurance Review

Bestow Life Insurance Review

Related Questions on How to Grow Your Assets

How Fast Should You Boost Your Net Worth?

There’s no hard and fast rule on how fast you should boost your net worth and look to grow assets. That said, you should aim for an increase each year as you eliminate debt, invest money and earn more income.

That might mean achieving a positive net worth and then aiming for a consistent dollar contribution each year. From there, these contributions should grow non-linearly, meaning you’re earning compounding returns over time.

You can invest in your 401(k), IRA and other investments consistently and maintain a diversified portfolio across multiple asset classes.

Before you lean in heavily on this goal, however, you’ll want to wipe out any high interest debt as this will provide you the best financial return as well as free up dedicated funds in your budget to use on other priorities.

If you have a healthy and growing net worth, you should consider switching from paying off what you owe and instead on saving and investing.

Do You Count a House in Your Net Worth?

Holistically, a house should factor into your net worth. That is, if you ever think you’ll sell your house and extract the equity for other purposes in the future.

If you bought a house with the intention of passing it along to your children or loved ones, you’ll probably not want to include this in your net worth.

Why? Because that money paid toward the mortgage essentially becomes dead money to you unless you plan to use a reverse mortgage or tap into with a home equity line of credit.

Even then on a home equity loan, you’ll need to repay the amount you owe and even pay interest to the lender.

In spite of this, for many people, a house is their largest asset and it should definitely be part of their net worth statement. When calculating net worth, take into account the current market value of the house less any loans remaining on the property.

What are Appreciating Assets?

Appreciating assets are assets that grow in value.

The most common appreciating assets are stocks, bonds and real estate. Other types of appreciating assets include fine art, antiques or collectibles which increase over time because they’re rarer than the general public’s knowledge on these items.

When you buy an appreciating asset (either for yourself or as an investment), you should include these items in your net worth because they build your equity.

When planning how to increase net worth for yourself, you want to accumulate as many appreciating assets as possible and avoid depreciating ones. Things that lose value with time aren’t good investments to make or ways to spend money from a net worth point of view.

What is a Good Net Worth at 30?

In order to increase your net worth, you should aim to save 50% of your income or more for retirement through either a 401(k) plan or other type of savings account by the time you reach 30. For example, if you make $50,000 in your 20s, strive for a $25,000 net worth by age 30.

You’ll also want to have made a significant dent in any student loans and tamed credit card debt.

How Much Should My Net Worth Grow Per Month?

The answer to this depends on how much you earn and how much you can control your expenses. $5,000 a month is a great target but if you only earn that amount, it’s impossible to save that much.

Even if you lived at home with parents or had an all-expenses-paid-for living situation, you’d still have to answer to Uncle Sam on his tax bill.

Therefore, the amount you should grow your assets depends on your situation.

Using the hypothetical example above of $5,000 per month, if that’s your goal, you’ll need to think about your income and expenses and the difference between them.

Establish money goals for yourself and understand what things to save up for that matter in your life.

About the Author

Riley Adams is a licensed CPA who works at Google as a Senior Financial Analyst overseeing advertising incentive programs for the company’s largest advertising partners and agencies. Previously, he worked as a utility regulatory strategy analyst at Entergy Corporation for six years in New Orleans.

His work has appeared in major publications like Kiplinger, MarketWatch, MSN, TurboTax and CNBC’s Acorns. Riley currently holds areas of expertise in investing, taxes, real estate, cryptocurrencies and personal finance where he has been cited as an authoritative source in outlets like CNBC, Time, NBC News, APM’s Marketplace, HuffPost, Business Insider, Slate, NerdWallet, The Balance and Fast Company.

Riley holds a Masters of Science in Applied Economics and Demography from Pennsylvania State University, Bachelor of Arts in Economics and a Bachelor of Science in Business Administration and Finance from Centenary College of Louisiana.

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