They sure don't ask if they can use my garage space, or I could move my furniture so they could add theirs now.

Assets-Liabilities=Net Worth or ValueAssets can be difficult to value, chairs, desks, computers or furniture/fixtures and equipment are pretty straight forward.

The furniture was left behind & maybe a new tenant will want it.

, free furniture, utilites paid, etc.

A furnished home is fine for a footloose divorcee but a family or people who want to live there long term have their own furniture.

I would recommend using an interior designer and setting around $15-20k for furniture.

If you walk through their store, they even have full kitchen and bathroom mockups built so you can see how they creatively use their cabinets & furniture to utilize small spaces. 

All of my furniture would still be in the house though.2) I have also read that a partial exemption is available for "unforeseen circumstances" such as the loss of a job.

Vacations, furniture, cars, maybe even buy your own vacation home, even if it doesn't make good financial sense, "just because you can."3b Big stock market gains - 401Ks have ballooned (until the last year), folks are feeling really good about their finances, and are stepping out on a limb with their spending.3c. 

and what the banker told me is for the doctor dentist. they will 100% finance house cars furniture etc.and then wrap all their accounts into their bank with the goal of having this client for life basically.