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When you think about your net worth do you consider pre-tax or post-tax values? (ie. If you have $15k in a 401k do you count it as $15k or ~$11k)

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Pre-tax I think since I don't know what the tax rate will be

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Pretax + 10% fudge factor for bragging

funnysmart

Pre-tax, just like other assets that will be taxed upon sale

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Pre-tax because if I do things right I’ll pay $0 in tax in retirement

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Yes options like this make me choose non Roth options, but usually this bowl disagrees.

I actually don't even include 401k into it.

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Same here. I try not to look at my 401k more than a few times a year and I don't want to see my net worth jumping around from it.

I do include IRA and HSA, but mostly because they automatically download to personal capital.

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You record $0.

Neither $15K nor $11K is significant enough to impact your net worth in a material way and is essentially rounding in the fullness of time.

I just quote gross (pre-tax) and assume everyone else does as well.

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