Net worth is one subtraction: everything you own at today's value, minus every balance you owe.

Median US family net worth was $192,900 in 2022, and homeowners held roughly 38 times what renters did.

A $100,000 retirement account is not $100,000 of spendable net worth, because tax is still owed on it.

Private pensions are 35 percent of all household wealth in Great Britain and the easiest thing to leave off your list.

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