Lucky man getting yourself some 200 fathoms . Love the Beavertown beers too . <| sep |> I also do everything . I have my car payment in there and the note because it is no small part of my monthly spending . To balance that out I keep a conservative KBB ballpark value in there whenever I really care to look at a net worth chart , I ' ll update it . If I had a mortgage I would include it as well with a balancing available equity value off budget item that I would also adjust by hand when interested in the number . I take the every dollar mantra pretty stringently and try and track everything I can . A little more work up front but it makes it easier on my to not have to remember what is and isn ' t counted here or in an excel sheet . It ' s all in YNAB