Don’t like the idea of risking your life savings? Then you need to know about this. : It isn’t always an easy question to answer, particularly when you consider that your age, education, earning potential and countless other factors all go into your net worth. For the youngest among us—Gen X-ers, Millennials, and especially the latest group coming up now, Gen Z—net worth is largely measured by their human capital, which is best defined as the value of one’s ability to earn. In other words, how rich you’re going to be, one day.