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The importance of tracking net worth over income level was highlighted after listening to "The Millionaire Next Door." Only 41% of Americans use a budget to manage finances, but a budget does not reflect net worth. Tracking net worth is crucial for building wealth, as demonstrated by "The Millionaire Next Door." The focus should be on becoming a millionaire through savings and frugality rather than high income. Easy methods for tracking net worth are needed to help individuals work towards financial goals.