How to increase your net worth

1. Live beneath your means
2. Recognize that all your wealth belongs to God. A 10 percent tithe may be what He wants you to do but what you do with the other 90 percent also makes a difference. He will bless you financially if you worship Him instead of worshiping money.
3. Build up an emergancy fund.
4. Get out of debt.
5. Take advantave of any retirement fund that has employer match.
6. Max out Roth IRAs for you and spouse.
7. Max out Thrift Savings Program.
8. 120 minus your age should be the percent of your retirement funds in equities (Stocks)
9. over 70 percent of managed funds fail to beat the market and the ones that do beat it change from year to year. better to use low cost index funds.
10. Be in agreement with spouse when making financial planning decisions.
11. Don't buy insurance for anything that would not devistate you financially if lost. Self insurance is cheaper if you can afford it.
12. Don't buy insurance based on the likelyhood of something happening but rather on the consequences to your net worth if it did happen (including future earnings)
13. There are more but this is a good start.