Your Money or Your Life

What is the second part of Step 1? What attitude should participants try to maintain when they see their result?

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The second part of Step 1 is determining net worth. Net worth is calculated by adding together the current value of everything owned, then subtracting the total of their debt owed, and finally adding any other assets such as cash or investments. Participants should try to maintain an attitude of "no shame, no blame," to avoid feelings of guilt.