I often see this question pop up once in a while: If we track our net worth, but our residential property is in our net worth, how do we make sense of our retirement with our net worth tracking Whether it is net worth, or in my term net wealth, it refers roughly to the same thing. Your net wealth can be calculated by taking your total assets minus your total liabilities. Your net wealth shows the “equity level”, in the finance-speak, of your life. It may be ego-boosting to see your net wealth going up but I can understand why some of you will struggle to make sense of it. One of the main reasons is that some items that go into your net wealth fund long-term goals that are so rigid that usually you wouldn’t change them. Your long-term residential property is one of those goals. Your eventual  ...