Nova Blog
Expert insights on net worth tracking, personal finance, and how AI is transforming the way we manage money.
Estate Planning and Net Worth: Why a Complete Asset Inventory Changes Everything
Estate planning basics start with knowing your net worth. Learn how to inventory all your assets, why couples need shared visibility, and how tracking your net worth simplifies the entire process.
BRS vs Legacy Retirement: Which Military Retirement System Builds More Wealth?
A detailed comparison of the Blended Retirement System (BRS) and Legacy High-3 pension, including breakeven analysis, real numbers for E-7 and O-4, and strategies to maximize your military retirement.
GI Bill Benefits: An Investment Worth Tracking
The Post-9/11 GI Bill can be worth over $100,000 in education benefits. Learn how to maximize this investment and track it as part of your total financial picture.
Military BAH and Housing: Building Equity vs Renting
Should military families use BAH to rent or buy? A practical analysis of building equity despite frequent PCS moves, VA loan portability, and how to track housing as part of your net worth.
Military Retirement Planning: From Active Duty to Financial Freedom
A comprehensive guide to military retirement planning covering pension calculations, BRS vs Legacy High-3, TSP integration, VA benefits, SBP, TRICARE for Life, and building your 20-year retirement timeline.
Military Spouse Finances: Building Wealth Despite PCS Moves
Practical strategies for military spouses to build careers, earn income, and grow net worth despite frequent relocations. Covers remote work, portable certifications, MyCAA benefits, and managing finances as a team.
How to Negotiate Your Salary (And What It Means for Net Worth)
Learn why salary negotiation is the single highest-ROI skill for building wealth. We break down the math on how a single raise compounds into hundreds of thousands in lifetime net worth — plus simple tactics that actually work.
SCRA Benefits: The Military Financial Protection Most Service Members Don't Use
The Servicemembers Civil Relief Act offers powerful financial protections including a 6% interest rate cap, foreclosure protection, and lease termination rights. Learn how to use SCRA to protect your net worth during active duty.
TSP Optimization: The Military Member's Guide to Maximizing Your Retirement
Learn how to optimize your Thrift Savings Plan contributions, choose the right funds, and integrate TSP into your overall net worth strategy as a service member or veteran.
VA Benefits and Net Worth: What Counts and What Doesn't
A veteran's guide to understanding how VA disability compensation, GI Bill housing allowance, pensions, and other service-connected benefits impact your net worth calculations and financial planning.
VA Disability Compensation: Tax-Free Income That Boosts Your Net Worth
VA disability compensation is completely tax-free at every level—federal, state, and local. Learn how disability ratings work, what you could receive, and how to factor this valuable benefit into your net worth.
Mental Accounting: The Hidden Bias Affecting Your Financial Decisions
Learn how mental accounting causes irrational money decisions and why tracking your total net worth helps you see the complete financial picture.
Lifestyle Inflation: The Silent Wealth Killer (And How to Beat It)
Learn how lifestyle inflation erodes your wealth, why high earners often have low net worth, and practical strategies to keep more of what you earn.
How Your Credit Score Impacts Your Net Worth (And What to Do About It)
Your credit score quietly shapes your net worth through interest rates, insurance premiums, and borrowing power. Learn the real cost of a low score and 5 actionable ways to improve it.
The First $100K: Why It's the Hardest (And How to Get There)
Charlie Munger was right — the first $100K is the hardest net worth milestone. Here's the math behind compound interest, why this milestone changes everything, and practical strategies to reach it faster.
The Real Cost of Subscription Creep: How $10/Month Becomes $2,400/Year
That 'just $10/month' subscription adds up faster than you think. Learn how subscription creep silently drains your net worth and what to do about it.
Estate Planning Basics: Protecting Your Net Worth
Estate planning isn't just for the wealthy. Learn the basics — wills, trusts, beneficiary designations, and power of attorney — and why knowing your net worth is the essential first step.
The Complete Guide to Financial Independence (FIRE)
Everything you need to know about achieving financial independence and early retirement. Learn the math, the strategies, and the mindset behind the FIRE movement.
How to Negotiate Your Salary (And What It Means for Net Worth)
A practical guide to salary negotiation — with tips on research, timing, framing, and counter-offers — plus how even a small salary increase compounds into serious net worth growth over time.
Net Worth and Mental Health: When Money Anxiety Takes Over
Money stress affects your mental health more than you think. Learn how to manage financial anxiety, break the cycle of money worry, and build a healthier relationship with your finances.
Digital Assets: NFTs, Domains, and Your Net Worth
How to value and track digital assets like domain names, NFTs, digital art, and online businesses in your net worth calculation.
The Hidden Costs of Homeownership on Your Net Worth
Beyond the mortgage: the real costs of owning a home and how they impact your net worth, from maintenance and property taxes to opportunity costs and insurance.
How to Build Generational Wealth: A Practical Guide
Learn actionable strategies to build wealth that lasts beyond your lifetime. From investing fundamentals to estate planning, here's how to create a financial legacy for your family.
How to Track Rental Property ROI
Learn how to accurately calculate and track your rental property return on investment, including cash-on-cash return, cap rate, and total ROI with equity and appreciation.
How to Value Your Small Business for Net Worth
Learn practical methods to estimate your small business value for net worth tracking, including revenue multiples, asset-based valuation, and discounted cash flow approaches.
Military to Civilian: Financial Transition Guide
A practical financial guide for service members transitioning to civilian life, covering TSP decisions, VA benefits, GI Bill, healthcare changes, and building your post-military net worth.
Net Worth After Divorce: Rebuilding Your Financial Life
A practical guide to rebuilding your net worth after divorce, including asset division impacts, resetting financial goals, and strategies for getting back on track.
Net Worth Benchmarks for Your 20s, 30s, and 40s
Realistic net worth benchmarks by age group based on Federal Reserve data. See where you stand and learn actionable strategies to get ahead in each decade of life.
Student Loan Payoff: How It Impacts Your Net Worth
Understand how student loans affect your net worth calculation, and learn strategies to pay them off faster while building wealth simultaneously.
Budgeting vs Net Worth Tracking: What's the Difference?
Budgeting and net worth tracking are two different financial tools. Learn how each works, why most people only budget, and why combining both gives you the complete picture.
How Couples Can Manage Money Together (Without Fighting)
Joint vs separate accounts, financial transparency tips, and how tracking net worth as a shared goal can strengthen your relationship and your finances.
Debt Payoff Strategies: Snowball vs Avalanche vs Hybrid
Compare the debt snowball, debt avalanche, and hybrid payoff methods with real examples, pros and cons, and tips for choosing the right strategy for your situation.
How Much Emergency Fund Do You Really Need? A Calculator Approach
The 3-6 month rule is just a starting point. Here's how to calculate your exact emergency fund target based on your life, plus where to keep it and how it fits into net worth.
Your Annual Financial Checkup: A Complete Guide
A step-by-step yearly financial review checklist — from net worth snapshots and insurance reviews to credit report checks, tax planning, and portfolio rebalancing.
The FIRE Movement: A Net Worth Approach to Financial Independence
Financial Independence, Retire Early (FIRE) is built on one number: your net worth. Learn the math, the different FIRE flavors, and why tracking is the key to getting there.
A First-Time Investor's Guide to Growing Net Worth
New to investing? Learn the basics of index funds vs individual stocks, dollar-cost averaging, and how your investments show up in your net worth. Avoid common beginner mistakes.
5 Financial Habits That Build Wealth Over Time
Wealth isn't built by luck — it's built by habits. Here are five research-backed financial habits that compound into real wealth over the years.
How to Calculate Your Net Worth in 5 Minutes
A simple step-by-step guide to calculating your net worth, including the formula, what to include, common mistakes, and free tools to make it effortless.
How to Track Multiple Bank Accounts in One Place
Juggling checking, savings, and investment accounts across different banks? Learn why consolidating your financial view matters and how to do it step by step.
How Inflation Silently Erodes Your Net Worth (And How to Fight It)
Inflation is a hidden tax on your savings. Learn how it affects your purchasing power, the difference between real and nominal returns, and which assets protect your net worth.
Mint Shut Down: The Best Alternatives for 2026
Mint is gone. Here's what happened, what users lost, and the best Mint alternatives for tracking your finances and net worth in 2026.
Net Worth Milestones: From $0 to $1M
A breakdown of key net worth milestones from $0 to $1 million — what each level means, what to focus on, and how to celebrate your progress along the way.
Net Worth vs Income: Which Number Actually Matters?
High income doesn't mean high net worth. Learn why net worth is the real measure of wealth, and how a $50K earner can outpace someone making $200K.
The Psychology of Money: Why Tracking Net Worth Changes Your Behavior
Explore how behavioral finance concepts like loss aversion, mental accounting, and the dashboard effect explain why tracking your net worth leads to better financial decisions.
Retirement Planning Starts With Knowing Your Net Worth
Your net worth is the foundation of every retirement plan. Learn how 401(k)s, IRAs, the 4% rule, and consistent tracking can accelerate your path to a comfortable retirement.
How a Side Hustle Impacts Your Net Worth (More Than You Think)
Side income doesn't just pad your bank account — it compounds. Learn how a side hustle accelerates net worth growth, where to invest the extra income, and what to watch out for on taxes.
Tax Strategies That Actually Grow Your Net Worth
Learn how tax-advantaged accounts, tax-loss harvesting, and Roth conversions reduce tax drag and compound your net worth faster over time.
Teaching Kids About Money: Age-by-Age Guide
An age-by-age guide to teaching kids about money — from coins and saving jars at age 3 to investing basics and real-world finance for teenagers.
How Vehicle Depreciation Affects Your Net Worth (And What to Do About It)
Cars lose value fast — here's exactly how vehicle depreciation impacts your net worth, the real math behind new vs used, and how to track vehicles accurately.
Net Worth by Age: Where Do You Stand in 2026?
See average and median net worth benchmarks by age group in 2026. Find out where you stand and what steps you can take to build wealth at any stage of life.
How AI Is Transforming Personal Finance Management
From automated categorization to predictive wealth tracking, AI is fundamentally changing how we manage money. Here's what's real and what's hype.
How to Track Crypto in Your Net Worth (Without the Headache)
Learn why cryptocurrency belongs in your net worth calculation, how to track it accurately, and the best tools for monitoring your crypto portfolio alongside traditional assets.
Why Your Net Worth Matters More Than Your Salary
Your salary is what you earn. Your net worth is what you keep. Learn why focusing on net worth instead of income is the key to building real wealth.
5 Best Net Worth Tracking Apps in 2026 (Honest Comparison)
We compared the top net worth tracking apps of 2026 on features, pricing, security, and ease of use. Here's what we found.
From Drone Operator to Tech Founder: A Veteran's Journey Building Nova
How a service-disabled veteran and UAS operator is building an AI-powered fintech startup to help people take control of their financial future.
Real Estate and Net Worth: How to Accurately Track Your Home Equity
Your home is probably your biggest asset. Learn how to calculate home equity, track property value changes, and include real estate in your net worth calculation.
Emergency Fund vs. Investing: Where Should Your Money Go First?
Should you build an emergency fund before investing? Learn the right order for your money, how much to save, and when to start investing for maximum wealth building.
What Is Net Worth and Why Should You Track It?
Learn what net worth really means, how to calculate it, and why tracking it is the most important step toward financial freedom.
The Power of Compound Interest (With Real Examples)
See exactly how compound interest works with real dollar amounts. Learn why starting early matters more than investing more, and how to harness compound growth for your net worth.
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