I read from some folks here of using your house and add into the net worth for retirement. This is not advisable because you still need a house to stay in retirement so unless you can sell it off and monetise it, then a house cannot be counted into the net worth for retirement. Of course if you have more than 1 house, then you can add the value of the house to fund retirement through sale of the house or rental yield. Just wanted to caution anybody getting wrong concept here.