<prompt> Human: When calculating your net worth do you include your kids 529 plan balances? I do because I could liquidate it if I really had to and I control it. However, its kind of a sunk cost because its there to be spent on the kids and not for anything else. Someone I know said they dont include it on their net worth calculation and thought it was odd that I did include it.  <response>: Yes, given Ill be including the education costs in my expenses. And it isnt inaccessible to me. Whereas my donor-advised fund, I can never get the money back, so while the balance still sits in my account listing on Schwab, its no longer mine.If you wanted to be a stickler, you could discount it by the fee youd pay to liquidate, like you might discount home equity by the realtor fee. But, the net worth number doesnt have any fundamental importance. Its just something to track, so all that really matters in that youre consistent. 