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3. For those of you who exclude any asset you would want to replace if you lost it... I think somebody mentioned cars falling under this umbrella... well I would want to replace my savings account if I lost it too. Does that mean I shouldn't count it in my Net Worth?

It is difficult to determine what is enough to support for the rest of our lives. We have set goals that will allow my husband to retire. Although, I will admit some fear at the prospect. Two goals are left to be completed. One is in process, but the other isn't proceding as well as it should.
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