Networth or CAGR or IRR or "Net Saving Rate"?

Over the holiday period, the most common topic among the friends is $. Whether it's Earning or Saving or Spending. One interesting topic was to measure "how good" are they with $.

The most common measure appears to be Networth (guess seedly, moneysense and other local bloggers are doing a good job). It is simple, yet a strong measure to show how good are you with net savings or investment :)

But my view is the one need to measure the Net Savings Ratio after the net worth. Calculating net worth simply doesn't mean you are doing great. For example, a 30 years old person making 50,000 per year may end up with 100K net worth while a 40 years old person making 200,000 may end up with 400K net worth. In this case, I want to be the first person rather than the latter.

So I proposed a small table which tabulates the net-worth - earnings - and ratio. Now add it over the years and you can see the cumulative savings ratio over a period

e.g.

Networth	Total Income	Net Saving Ratio
$10,000.00	$20,000.00	50.00%
$50,000.00	$40,000.00	125.00%
$150,000.00	$80,000.00	187.50%
$140,000.00	$145,000.00	96.55%
$200,000.00	$265,000.00	75.47%
$250,000.00	$405,000.00	61.73%
$300,000.00	$545,000.00	55.05%
$320,000.00	$755,000.00	42.38%
$485,000.00	$945,000.00	51.32%
$653,209.15	$1,157,000.00	56.46%

This ratio can show you how good you are with Savings, Investments & overall financial situation :)

FYI, I am lookig at > 70% as "good"