Calculating Net Worth and Net Surplus Jennifer Pontesso, from Lincoln, Nebraska, wants to better understand her financial situation. Use the following balance sheet and cash flow statement information to determine her net worth and her net surplus for a recent month. Liquid assets: $16,000; home value: $190,000; monthly mortgage payment: $1,200 on $140,000 mortgage; investment assets: $90,000; personal property: $19,000; total assets: $315,000; short-term debt: $3,000 ($250 a month); total debt: $143,000; monthly gross income: $12,000; monthly disposable income: $6,500; monthly expenses: $7,000. Round your answers to the nearest dollar Net worth: $ 144,000 Net surplus: $