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If you were to listen to credit card companies, then they would tell you that getting the highest credit score possible is the most important financial number that you need. But the truth is that there are other numbers that are more important to you financially.

Often, people will rack up lots of debt on credit cards and loans just to improve their credit score, but it is unnecessary to chase that high credit score. What really matters is trying to build your wealth — and a credit card will never empower you to do that.

Here are 8 numbers that are more important to building wealth than the highest credit score possible.

1. Total assets

Your total financial assets — including cash and investments — is the most important number when it comes to wealth.

2. Total liabilities

Your total liabilities — which is debt — holds you back from building wealth. You need to shed debt to grow wealth — and a chasing a credit score won’t help you with that.

3. Your net worth

This important number is derived by taking your assets and subtracting your liabilities. This is what you are worth.

4. Your taxable income

You better keep track of this number, because this helps determine what you may owe in taxes every year.

5. Your cost of living

This is how much money you need to pay for your everyday living expenses. You can get this number by tracking all of your spending. It is important to know this number, because if you go over it, you will lose money.

6. Savings Rate

How much are you saving every single month as a percentage? Seriously, if you don’t know this number, you probably won’t be able to build wealth.

7. Retirement contribution rate

How much are you saving in retirement accounts? This includes your 401k, IRA and even a health savings account.

8. Debt to Income Ratio

This number is determined by taking total monthly debt and dividing it by monthly income. It is important for personal cash flow.

No Highest Credit Score Possible

Instead of chasing the highest credit score possible, focus on these numbers to build your wealth. There are even a few other numbers that weren’t listed here that you should follow, but one of those numbers is not a credit score.