Wealth Insights

Numbers to know for your health and wealth: ApoB, net worth and more metrics that matter

Learn about six key numbers that impact your health and financial well-being.

As the saying goes, “Health is the real wealth.” These key metrics help you monitor both your physical and financial health, including fasting blood glucose, ApoB, sleep quality and financial formulas.

Fasting blood glucose (FBG)

Target: <100 mg/dL

Why it matters: Measuring fasting blood glucose offers a snapshot of how effectively your body manages blood sugar, revealing risk for diabetes, heart disease and cognitive issues. Pair with an A1C test for a fuller picture—it reflects average blood sugar over two to three months and can uncover hidden issues.

Watch out: Even >85 mg/dL can signal future risk.

Apolipoprotein B (ApoB)

Target: <90 mg/dL

Why it matters: An ApoB blood test counts artery-clogging particles, which research shows can be a better predictor of heart risk than standard cholesterol blood tests. “It’s a better indicator of heart disease risk than an LDL cholesterol value, which is an estimate rather than a direct measurement,” said Dr. Samia Mora, professor of medicine at Harvard Medical School.

Sleep quality

Duration: 7–9 hours

Efficiency: 85–90%

Consistency: Regular sleep/wake times

Why it matters: Supports recovery, mental health, and metabolic balance.

How to track it: Smartwatches and rings that provide sleep data are a good start. If you detect a serious issue, talk to your doctor about a polysomnography (aka sleep study), which is the gold standard for sleep measurement.

More than 35% of Americans have used a sleep-tracking device. A majority (77%) found the sleep tracker useful, and 68% said they have changed behavior based on what they learned.

Source: American Academy of Sleep Medicine

Net worth

How to calculate it: Assets - Debts = Net Worth

What it shows: Your financial health beyond income.

Why it matters: Guides decisions (e.g., real estate 25–40% of net worth), makes progress tangible, informs risk management.

Liquidity ratio

How to calculate it: (Total Cash and Cash Equivalents) / (Total Monthly Expenses) = Personal Liquidity Ratio

What it shows: Measures the ability to cover short-term obligations. For example, a ratio of 4 means you could meet your expenses for four months in the event of a financial setback such as a layoff.

Why it matters: Prevents cash crunch, supports growth.

Savings rate

How to calculate it: (Total Savings / Total Income) x 100 = Savings Rate

What it shows: How much of your income is for long-term use.

Why it matters: Drives long-term wealth through compounding.

Tip: Use projections to visualize future growth and motivate higher contributions.

Talk to your Wealth Advisor about:

1. Reviewing your net worth, liquidity ratio and savings rate as your life circumstances change.
2. Getting a head start on planning for retirement health care costs.

Want to get started with wealth planning?
Our wealth management guide can help on your journey to generational wealth.

Interested in talking with an advisor but don’t have one?
Find a wealth advisor in your area.