Jasmine Smith owns a condo worth $275,000, a car valued at $30,000, and miscellaneous assets worth $9,000. She owes $182,000 on the condo and $10,000 on the car and has no other debts. Her retirement account, in which she is fully vested, contains $41,500 in mutual funds. She is insured with a $620,000 term life insurance policy. What is her net worth?