This question may have been upsetting you for a while: are you rich or not? To measure how rich you are, you need to calculate how much money and valuables you own and deduct any debts you might have. In other words, you have to make a list of your assets and your liabilities and calculate the 'net worth'. Assets are not only money (cash, current account, savings account ...). They also include valuables which you could potentially sell. These are called tangible assets. Tangible assets can be a house (if you own it), a car, jewellery, or any items of value. But, be careful, these assets depreciate over time. Your five-year-old bike is probably not worth as much as when you bought it. In your calculations, only include the resale value, not how much you originally paid. Investments are also assets. As their values keep changing, calculate them every three or six months. Investments are for the long term. Your second list is your liabilities: unpaid credit card amounts, or borrowed money, or bills to pay. You subtract the liabilities from your assets and find out how much you are worth. And keep in mind your intangible assets: how much your skills and knowledge are worth!