My Liquid Net Worth is calculated based on the money I have at disposal, excluding retirement funds and primary homes. I’m not including retirement funds in my Liquid Net Worth because it’s money I won’t touch until I retire. I’m excluding my house as well, because I don’t know it’s current value, and mainly because I’m not planning to sell it.
I’m holding most of my parents’ money in savings because I’m afraid of risking their retirement savings. Sadly, I have more in liability than assets, but that’s because I took out $30K for down payment and that is not included in this net worth.