All right, Mary has a question for you guys.

When you calculate your net worth, would you advise to include the present appraised

value of things like cars, especially the non-daily commute car?

And then would you advise to include things like points, jewelry, luxury bags, etc.

How do you factor these into your net worth statement?

And which of these things do you not factor in your net worth statement?

So here is the beautiful thing about a net worth statement.

It's like a snowflake.

It's unique.

It's yours.

You get to design it and you get to do it the way that you want to.

So what's the right way to do it?

I don't know that we can exactly say what's the right way.

I'm going to share what you do and I'll share what I do.

I'll share mine.

For real estate assets, I like to value them at market cost.

At the price I paid it, purchase price, not at market cost.

I want to stay really, really conservative.

I don't want my net worth to go up by whatever amount, simply because the value of the

hole that I'm not going to sell happened to go up that amount.

So it's really, really conservative.

You asked about present like appraised value on cars.

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