Income is often talked more about than net worth, but unless you received an inheritance yourself, your income is what will produce your net worth. This means that your income will both feed into the assets you purchase, but also the availability to traditional means of debt in order to purchase homes, vehicles, businesses, and other assets. Before we get too far into this, net worth is the accumulation of what you own in assets after the accumulation of what you owe in debts or liabilities is subtracted.