re: $260k Base Salary, $3.00 in checking account.

quote:

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I absolutely do not count RSUs in my net worth calculations. It's figurative cash until it vests.

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You aren't wrong but a similar thought process could be applied to normal stocks. They are just numbers on a screen until you actually sell. Stocks can be very volatile and thus your NW attributed to those stocks could be way less when you actually go to sell.

Similar thoughts could go into NW calculation with pre and post tax accounts. A 401k with pre-tax accounts would not actually be worth the same as a roth account with the same balance.

In reality any calculated net worth doesn't really matter except for an internal measuring stick. It is good to have an understanding of your overall financial picture to understand the health of your finances.

I for one am not doing all the math for discounting pre-tax dollars. The math is easy if the tax rate is known but we have no idea the tax rates years in the future. I agree the most accurate instantaneous net worth calculation would not value RSUs at 100% but to value them at 0% may be more accurate for your instantaneous net worth figure it isn't the most accurate representation of your financial picture.