Bank of America has this thing they call a Portfolio which allows you to import your various other accounts and they track your usage, and can auto-login to the other accounts and all that good stuff. They also handle rewards clubs and credit cards. So anyway, I've been using it for a long time to get a quick glance at all my finances all in one place. One of the features they offer is a "net worth" calculation that adds up all your liquid assets and then subtracts all your debts. This number is obviously not a true worth as it only considers liquid assets and not the material colatteral used to secure things like auto loans or mortgages. But if it steadily goes up, you're building wealth, and if it steadily goes down, you're leaking money like a sieve. So, after closing on our house, I went online one day to see how poor I was, and this is what greeted me. Very very depressing. But hey, I have a house to live in and a car to drive and a job to go to, so really, as depressing as that huge red bar is, I'm pretty fortunate.