Hector and Maria Montez are trying to figure out their financial health. They will pay off their car loan in three years, their gross household income is $5,500 per month, and they receive $250 per month in interest income from their investments. They have listed the following items from their most recent statements. (For questions 4 and 5)

Savings account:$3,500

Checking account:$1,300

Credit card balance:$2,000

Car loan balance:$12,000

Car market value:$28,000

Furniture; market value: $12,000

Stocks and bonds:$10,000

Home value:$140,000

Mortgage loan balance:$80,000

4) What is their current net worth?