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Retirely in The things you own end up owning you,

Your Net Worth: The Only Figure That Really Matters

When it comes to material and financial wealth, looks can be deceiving.

Cheap and plentiful credit makes it easy for anyone to live beyond their means, and complex financial maneuvers can hide a lot. Simply put, the financial lives of many Americans are nothing more than smoke and mirrors, and what you see isn’t always what you get.

Most people can find examples of this artful deception well within their inner circles; the brother who lives paycheck to paycheck but still drives a Range Rover. The college friend who makes low monthly payments on her Birkin handbag. {Related: The ROI of Bling}

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