We talk endlessly about portfolios, property, and net worth. But for most of us, the single largest asset we will ever own never appears on a financial statement.
Your human capital — the net present value of your future earnings.
Here’s the simple fact: if you earn for another 25 years, that’s not an abstract idea — it’s a number you can compute. And at a 5% discount rate, a steady $100k a year for 25 years is worth ~$1.41M today. That’s a real, quantifiable asset sitting at the top of your personal balance sheet, whether you acknowledge it or not.
