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Maybe if I put this another way I can get some clarification on your position?
You have two people. Person A and Person B. Both have emergency funds in savings of $20,000. Person A has a 401k currently worth $500,000. Person B has a pension currently with a cash lump sum value of $500,000. Neither has any real estate, nor other investment accounts, but neither has any debt either. I would say they have the same net worth of $520,000. If Iām understanding you correctly, you would say Person A has a net worth of $520,000 but Person B has a net worth of $20,000. And it would be illegal and against accounting rules to include Person Bās pension in net worth calculations.
Iām seeing plenty of resources online that even go so far as to include instructions for finding a value of the pension for calculating net worth.
https://livewell.com/finance/how-to-calculate-value-of-pension-for-net-worth/
https://www.sapling.com/12011834/factor-pension-net-worth
https://networthcalculator.io/calculate-pension-in-net-worth/
https://www.lazymanandmoney.com/pension-net-worth/
And then this article finally showed up on my third page of results when searching for ādo you include pension in net worthā and it at least mentions that itās debatable whether to include it or not. And this article is for Canada. https://www.moneysense.ca/columns/ask-moneysense/should-you-include-your-pension-in-your-net-worth/
This is why Iām so confused. And youāve been the most adament that itās a big no-no. Iām not trying to argue with you. Iām seriously confused and trying to understand what Iām missing.
I wish I knew what I was doing because I very rarely get that stuff, unless I go to Shorts. Then that crap shows up in both the Shorts and my recommendations. After ignoring them for a couple days they go away and stay away as long as I also avoid Shortsā¦ So maybe thatās the key?