Start with what you have. Net worth shows your foundation. Cash flow reveals what’s left each month. Your emergency fund protects what you’ve built, while savings rate measures what you keep and debt load shows what’s already spoken for. From there, investment growth shows what your money can become, while fees shape how much of that growth you keep and account choice shapes how it’s taxed. Your freedom number defines what’s enough, time to freedom shows how long it takes, retirement readiness tests the plan, and inflation reminds you what it’s all worth over time.