the first number that you need to track in order to build wealth debt so before you start tracking Zillow or CarMax or the stock market your number one priority should be looking at how much debt that you have and how to eliminate it completely as quickly as possible the longer you put that off the longer it's going to take you to pay off debt because of interests that you're continuing to pay even some late fees if you're late paying those bills so to get started with this I recommend doing something called The Debt snowball and this is where you're going to list out all of your debts smallest to largest regardless of the interest rate pay minimum payments on everything and attack that smallest debt first