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Do you calculate 401k, HSA, and Roth IRA into net worth? I feel like if you do you need to account for taxes for 401k and IRA?

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Money in a Roth is worth more than money in a 401k. Gross up the Roth or down the 401k.

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Absolutely. It’s your money. You also don’t say your income as your post-tax amount, so don’t account for taxes. Taxes can change in the future as well so no need to account for it before it’s taken into account.

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Yes, it’s just an example on how we account for things on a pre-tax, not post-tax basis.

When you value your home in net worth do you haircut for selling costs and potential tax liability on gains?

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No taxes if you reinvest into similar investment. OP - might help if you mentioned why you’re asking this? Is there a purpose?

Net worth is everything you own minus everything you owe.

Not necessarily. There are exceptions in the tax code for specific circumstances where you can avoid taxes. Also, tax rates change over time, and you can’t calculate at your current rate, you have to calculate at the rate you would be paying at retirement (which is likely lower). “Net worth” depends on your estimation method, but for all intents and purposes it’s not a useful measure. What’s useful is determining what you can buy and what you can afford/earn later on from selling assets.

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