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$3.1 billion net worth is what Forbes came up with in that detailed analysis.
A person's net worth is their overall wealth
The value of a person's assets (examples...real estate (including partnerships and other methods of fractional ownership in addition to being the only owner), stocks, land, cash in bank accounts, vehicles, etc.) minus a person's liabilities (examples...mortgages, credit card balances, money you may owe to the brokerage house if you bought some of your current stocks on margin, car loans, a contractor's lien against a house you own, taxes, etc) = net worth. Debts have already been subtracted in the net worthcalculation.
And who subtracted the debt from the net worth calculation?