This might be sloppy accounting on my part, but I don't really pay attention to my net worth. The only figure I really pay attention to is investible assets (401k, IRAs, after tax mutual funds, online brokerage, checking account, etc).
I do have equity in the house, as I put 25% down. But, I figure that doesn't really do me much good in the short term, as it's not money I can easily live off of. I'd have to either take out an HELOC, refinance and take cash out, or sell the house and downsize.
When I've run my FireCalc predictions in the past, I'd run two sets of numbers. One would presume full SS benefit, for whatever given year I retire. The other would presume NO SS benefit at all. That might be a bit catastrophic, as I'm sure SS will be there, just perhaps not full benefit. But according to the scenarios I've run the difference between full SS and no SS is usually only 2-3 years. For instance, assuming no cuts to SS, and I start claiming benefits at 62, FireCalc says I could retire now, at age 49, on $75K per year with a 94.9% chance of success. With no SS benefit at all, I'd have to wait until age 51 (93.9%) or 52 (96.9%) to get a similar chance of success.