Very simple, get a hold on all your financial data (that is all exchanges, all history (ended transactions) - I'll stay with financials because would it be monetary you wouldn't ask this question);

Then divide between active (in completion but not paid), passive (pending, not completed et al), history (ended transaction/paid/all safe).

History can go on the heap, its only importance is proof your credits.

Active and passive are real things in your real today life. Then you just count them up, both active as passive. The minus down the line means you're in debt, the plus means your net worth is out debt.

While rebalancing, you should indeed make effort to divide on not just assets and liquids, but also which function, primary need or secondary. So I wouldn't balance secondary need debt to primary need asset.

I would balance preferably all kind of debt against secondary need asset (preferably company without personal responsibility) without endangering my primary need (so given a house in 100% personal property, most ideally).

And I would drop all those bullshit list about whats worth what. Vanguard and all that bullshit. Look at the market and define two things, mean average value over preferably at least twice market crashes period of time, popularized / actualized average value broken down to the lowest popular end.

i would then establish two balances, real average mean value, and popularized actual and make up my mind fro there.

market value is very different than vanguard and all that like you to think. they make money off your ignorance of the difference. you people needa get that for once. its too easy these days using interwebs to establish your own mean values, much more accurately offering you nothing but much perspetive to earn big winnings already by doing so.