Here’s how to determine if you’ll be financially secured in the future. We all know that our net worth is our assets minus our liabilities. But do you know how that figure compares with your s=expected net worth, based on your age and income? Thomas H. Stanley and Dr. William Danko authors of the Millionaire Next Door, recommended a formula to determine whether you are accumulating wealth at the rate you should be. Multiply your annual income(pretax) by your age, then divide by 10 to get your expected net worth. For example if you are 43 years old man’s gross salary and investment (but not inheritance money) income is $180,000, his expected net worth would be $774,000 (43×180,000 /10 = $774,000) If your actual net worth is greater than your expected newt worth, you’re headed towards a comfortable retirement. I just hope this formula works for all.