Gladbach,
There are many internal and external factors that can cause mutagenesis within the human genome. However our bodies have evolved some pretty incredible biochemical systems to mitigate the effects of these, and there are a whole host of enzymes designed to protect against specific chemical and biological mutagens. Damaging mutations that get past all of this are subjected to further mitigation by the enzymes such as perforins, which in some cases are able to destroy rogue cells.
There are a whole host of unpleasant chemicals that can alter DNA structure, often by either acting as base analogs, altering base pairing or intercalating with DNA. In most circumstances the body can to some extent deal with this, but not always, leading to mutagenesis. Another obvious cause of mutagenesis is radiation, be it ionising or otherwise. A nice example is UV, which is linked with skin cancers. Again the human body deals with mild UV irradiation to some extent using nucleotide excision repair enzymes designed to repair damage. In a few individuals, the enzyme/s are not produced leading to a condition known as Xeroderma Pigmentosa which results in individuals unable to repair UV damage and hence are unable to leave the house by day without risk of skin damage/skin cancers!
In terms of heredity, that's an interesting question... Mutations within certain regions of the genome are quite common and we do come across them in paternity work. The mutation rates for common STR (short tandem repeat) regions in the genome (used in paternity testing/DNA profiling) can be as high as 0.64% for some markers, but this level of mutation is by no means representative of the entire genome.
I guess, in answer to your original question, on balance, your genome is the same as the one you were born with.
Hope this Helps
Kind Regards
R