#1: I really don’t. Our long-term finances are kind of a mess. We have so many different accounts with different providers. (The paranoid part of me thinks this might be a benefit if the fascist government cracks down on dissidents– we might be able to get to Canada or another safe harbor and transfer at least a subset of our accounts before they figure out all of them… hopefully. We’ll see. Or hopefully this won’t actually happen.) I do track some of our accounts on mint (but mint often double-counts things or can’t log into things, so even that number isn’t accurate) and I monthly track our savings and checking account because I need to know whether or not we’re on track for the unpaid summer.
I think I’ve calculated our entire net worth 3 times in the past 11 years. (Back in graduate school it was easier– our networth was just our checking and saving (and DH’s student loans…) and then later a few etrade accounts). Each time it’s come as a bit of a pleasant shock. I think that’s what happens when you wait a long time between calculations and keep spending less than you earn. (Markets going up has also helped.) Knowing it is above a number has helped me loosen up on spending, so it’s probably just as well I don’t look more often (assuming it is going to keep going up… I might need to recheck in case of a major market meltdown).
#2: I have never done so before. Well, back before retirement accounts I guess I did because there wasn’t anything to track. Retirement accounts are worth such a varying amount from month to month. Thinking about retirement account balances is stressful, so I just put money in and don’t think about it too much.
Do you track your net worth? If so, how often?