I've finally reached zero! But what's the big deal? Zero is not a big deal, right? Well, not if you begin with positive, became negative, and then back to zero again. Reaching zero means you've erased the negative and now you're on a fresh start to begin being positive again.


What am I talking about? It's my net worth!


I still owe HDB $440k now. I halve this to take into account the portion shared by my wife, so that's $220k. The last I've checked, my current networth is $226k.




This is how I calculated my networth. It's just Assets minus Liabilities.

My assets are: (all $226k of it)

1) Whatever I have in wallet, drawers, mattresses, tin cans
2) All my bank accounts combined
3) Money market fund
3) Paypal and other online cash accounts that have some digital cash inside
4) All my investments holdings, marked to market
......