Example Case: Pat monthly after-tax cash flow $4,000, Monthly Savings (non 401k) $400, monthly expenses $3,600, Total Assets $650,000, Total Liabilities $150,000, Net Worth (including home equity) $500,000, Cash or Near Cash $50.000: Alex's monthly after-tax cash flow $4,000, Monthly savings (non-401k) $50, Monthly Expenses $3,950, Total Assets $900,000, Total Liabilities $400,000, Net Work (including home equity) $500,000, cash or near cash $4,000