<prompt> Human: Just curious as to if people consider money theyve put in their kids 529 plans as part of their own net worth.  <response>: I include the 529 savings, because when looking at Net Worth from a retirement standpoint , college is an expense I need to plan around. If I dont include college savings but do factor in the cost it just unnecessarily skews my financial picture for the worse.Take credit for saving, it promotes good habits. 