We just went thru this exercise. Fear about Finance is a Demonic Effort Reinforced by TV and Radio commercials about how no one is ready for retirment. It's all FEARMONGERING

 I don't know if you can use this calculator from the blog, but the one at the link works fine

What are you worth?

Periodically calculating your net worth -- the value of your assets minus your liabilities -- is the best way to measure and track your financial well-being.

1 ASSETS	2 DEBTS
Stocks and stock funds: $  Bonds and bond funds: $  Cash (Savings accounts, CDs, money-market funds): $  Retirement accounts (401(k), IRAs, SEPs): $  Variable annuities $  Value of primary residence: $  Vacation property / second home: $  Art, collectibles, jewelry, furnishings: $  Other: $    Total assets: $	Mortgage(s): $  Home-equity loan: $  Student loan: $  Credit cards: $  Other: $    Total debts: $  WHAT'S MY NET WORTH?   $  HOW DO YOU COMPARE? Breakdown of households by net worth: Median household net worth: $100,894 Source: Claritas, December 2003 data

http://cgi.money.cnn.com/tools/networth/networth.html