People always calculate their worth in terms of financial assets. They do not look at their spiritual net worth. Let me explain these two net worth.

Financial Net worth

When people calculate their financial net worth, they look at following things:

• Property
• House
• Investments (Mutual Funds, Stocks, RRSP etc.)
• Savings
• Business
• Other Possessions

To calculate your financial net worth, you will calculate total value of your assets minus total value of your debts. Your financial net worth will drop whenever either your assets value drops or your debt increases.

This financial net worth is always dependent on the financial markets or the economic conditions. Whenever people see their net worth dropped, they think:

• They have lost everything.
• They are not going to be rich.
• How will they retire rich?
• Why they have not pulled out of the market fast enough?
• Etc.

Spiritual Net worth

I would like point of spiritual net worth, which is independent of the financial market or the economic conditions. Here are some of them:

• Faith in God
• Spirit/Soul
• Peace/Contentment
• Experience
• Skills/Knowledge
• Potential
• Health
• Family
• Friends
• Relatives
• Community

Let us start with personal assets. These are Faith in God, health, experience, skills/knowledge, potential to become extraordinary, peace of mind & soul. These are yours & nobody can take it away in any circumstance. If you calculate the value, it will be a kingdom. Bible says

"Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal.” [Matthew 6:19-20]

Everybody have some family members, friends and relatives. We enjoy your time when we are with family, friends & relatives. Whenever we are in trouble or need help, they are available to help us. They are rich assets, which is invaluable.

Some people have bonding with different communities. They volunteer in those communities. They have friendship with many members of those communities. This is also priceless asset. It gives you a sense of belonging as well.

Action

Do not worry too much about your financial net worth. Economy will rebound. Write what you have learned from the previous investments.

Calculate your spiritual net worth. This will give you satisfaction. Be grateful for all the assets you have. Be happy for all the things (spiritual & material) you have in your life. We will have higher self-esteem, if we are looking at our Spiritual Net Worth as well.