Ted Riley owns a 2012 Lexus worth $37,500. He owns a home worth $295,000. He has a checking account with $500 in it and a savings account with $2,400 in it. He has a mutual fund worth $98,000. His personal assets are worth $93,000. He still owes $21,000 on his car and $177,000 on his home, and he has a balance on his credit card of $2,400. What is Ted's net worth