I'll change it a round a little
Compnents f Net Worth Highest to Lowest
Primary Residence (value increased 70% in the last 3 years, also refinanced so I am accelerated my princiapl repayment, using some 0% money and some low cost/rturn money as well)
Work sponseored retirement accounts (401K, rolled overs from prior employers, and wifes 403B)
Roth IRA (contribution limit raised to 4000 this year)
Non-Retirment mutal funds
Money Market (since I have enough liquifity in my home equity line I do not have 6 months available in liquid cash)
Sportsbook accounts
Kids college fund money still in my name (still haven't decided on a 529 or TAP, but will do so in the next few months)
Checking Account (more than I should have in it)
MIscaleneous Assets (jewelry, art, etc, things I do not need, does not include cars)
Neteller Account
Best advise I can give people is to pay yourself firstout of your income.
Max out the 401K and Roth
Force save additional money by writing a check each payday to your investment account or money market account
PAydown all consumer debt (except house)
Do some simple planning on when you want to retire and the lifestyle you would want at that time.
Just for fun, we determined if we liquidate eveerything and move to the Phillipines we could retire now.
At age 30 I would guess one should have a net worth of $75,000-$100,000
By age 40 $250,000-$400,000