Try adding your Social Security benefits to your net worth

Social Security is not generally thought of as an "annuity," but the features and benefits are very similar.
If you are already receiving Social Security you know the amount of your actual payments, and your calculations can be exact. If you are not yet receiving Social Security, it is easy to estimate the amount of your monthly payments – and then the annuity value, but your calculations are only estimates and a lot can happen to the System before you start to collect.

Unlike many annuities, your Social Security payment increases annually and according to a government cost of living adjustment (COLA). That's a handsome "plus," as you will see below.