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I can't decide whether to count retirement accounts. Technically, they are assets but I can't spend them and they don't figure into my day to day personal calculations...

I think it would depend on what type of retirement accounts. I count my rollover IRA, Roth IRA, and company Simple IRA (which I'm 100% vested in) because if I really hit rock bottom (like no friends to live with and next option is being homeless) I could liquidate them if I had to, even through I'd pay a tax penalty.

If it's SS or company/government pensions, than I wouldn't include those. But if it's something you know you're guaranteed to get (like let's say you're 1 year from drawing a federal pension) than I'd keep in mind your necessary net worth for retirement would be lower than someone else who has to self-fund retirement.
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