You got a $12,000 raise. A year later your net worth moved $0. Nicer flat, newer car, more dinners out, four new subscriptions. That is lifestyle creep, and only your net worth shows it.
Your net worth can look great until you see where it actually sits. Netvo shows the shape of your money, from your home to your cash to what you still owe.
Being told you are behind schedule stings for a second, then it helps. Set a target, see if you are on pace, and get the monthly amount that gets you there.
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