September 2018
Beginner
256 pages
2h 22m
English
Content preview from From Here to Financial Happiness
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Day Forty Four All You Are
How rich are you? Think about everything you own – and everything you owe – including bank accounts, retirement accounts, car loans, credit card debt, and all the other puzzle pieces of your financial life. List them below, attaching a dollar amount to each.
| What You Own | Value |
| TOTAL |
| What You Owe | Amount |
| TOTAL |
Take the value of your assets and subtract your debts:
| NET WORTH |
When calculating a client's net worth, financial advisors will include auto loans and credit card debt, but not the possessions that were bought were these debts. Why not? Your car, furniture, and most other household effects will depreciate and eventually become worthless. Maybe more important, if you were in a financial pinch, you couldn't really sell these possessions. After all, where would you sit and how would get around town?
Some financial advisors go a step further, counting mortgage debt as a liability, but only part of the value of a client's house as an asset – and only if the client plans to trade down to a smaller place when he or she retires, thereby ...
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