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93% California Real Estate (Our House Value*0.93)
-63% Mortgage 3.625% fixed 30yr

I like how you account for this. That's very much correct, breaking out the value of the asset itself (and its leveraged exposure to real estate market swings, both good and bad) from what's essentially a short position on a fixed income security. Just figuring house value minus mortgage as many folks do isn't quite so accurate.

- Erik
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