Net worth breakdown. 37 + high earner + no kids.

@morgan.on.money

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Why it worked

The video provides high-value, transparent financial data that satisfies audience curiosity about personal wealth, which is a highly engaging topic on social media.

Summary

A 37-year-old woman provides a detailed breakdown of her assets and liabilities to calculate her total net worth. She explains her investment strategies and financial habits to demonstrate what is possible through consistent income growth and disciplined saving.

Structure

1Introduction and definition of net worth
2Breakdown of cash and investment accounts
3Breakdown of retirement and brokerage accounts
4Breakdown of crypto, real estate, and car assets
5Breakdown of mortgage liabilities
6Final net worth calculation and closing message

On-screen text

Net worth breakdown 37 + high earner + no kids net worth = assets - liabilities cash: $85.5k $85,496 investments: $527.4k $527,415 $28,015 $24,227 $93,127 cash pension: $99.3k $99,252 crypto: $8.3k + $4.8k $4,800 RE: $457.9k + $407k $457,900 $407,000 Car: $21k $21,000 mortgages: $367.1k + $285.1k $367,153 $285,138 total net worth: $1,104,257 (and markets are way down) $1,104,257

Original caption

My net worth at 37 (March update!) and I am on track to retire in my 40s. I've been kind of stuck here for the last ~3 months (even though I've invested nearly $50,000 since January) because of the latest stock market volatility. My biggest regret of my 20s is not knowing what a Roth IRA is and totally forgetting about it until recently This is the result of 15 years of increasing my income combined with 7 years of very disciplined and responsible money habits (budgeting, living below my means, investing regularly). Grab a free personal finance checklist for beginners in my bio if you are ready to take control of your money in 2026.

More from @morgan.on.money

Their other posts in the index, biggest breakout first.

Net worth breakdown. 37 + high earner + no kids. I am a high earning 37-year-old living in Houston, Texas. Multiple people asked me to do this and I believe in money transparency, so let's get into it. Your net worth is calculated by adding up the value of all of your assets, cash, investments, the value of your car, your house, and subtracting all of your liabilities, mortgages, student loans, credit card debt. Let's start with the cash accounts. I currently have $85,496 in cash. Almost all of this is in high-yield savings accounts. I only keep about one month of expenses in my checking. Now, let's move to the investment accounts. I have been working for 15 years and I have always contributed to my 401k. I have maxed it out since I was 30 years old. The total balance in my 401k is $527,415, all invested at Fidelity in a target date 2055 fund. My Roth IRA, I am absolutely kicking myself because I didn't really know what a Roth IRA was until I was much older and I haven't contributed to it very much. The balance of my Roth IRA is $28,015. Now for my brokerage accounts. I have some RSUs sitting in a brokerage at Fidelity valued at $24,227. My second post-tax brokerage is at Vanguard and has a balance of $93,127. I have a cash balance defined contribution account that is a sort of pension plan through my employer and the balance of that account is currently $99,252. I do own some cryptocurrency. I have about $8,300 in Ethereum and about $4,800 in Bitcoin. I own two properties. The value of my primary home from Zillow is $457,900 and the value of my investment property is currently at $407,000. I do own a car and the value of that car is estimated to be about $21,000. I don't have a car loan, so the only debt I have are my mortgages. The balance of my mortgage at my primary residence is $367,153. Investment property is at $285,138. This comes out to a total net worth of $1,104,257. I know that this is not the norm for most people and I am sharing not to brag, but to show you what is possible with increasing your income and adopting healthy money habits.