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Start with what you own: cash, retirement accounts, investment accounts, cars, real estate and anything else that you could sell for cash.Then subtract what you owe: credit card debt, student loans, mortgages, auto loans and anything else you owe money on.Then boom—you’ve got your net worth. For example, if you own a home worth $300,000 and you owe $100,000 on it, you have $200,000 in equity toward your net worth. Net worth is what you own minus what you owe.