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  1. How Is Net Worth Calculated? 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.

  2. Retirement is not an age, it's a financial number. Plan how much you need to save to retire using the free R:IQ tool.

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