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Net worth was divided into two variables, a dichotomous variable indicating those who had a negative net worth (defined as a net worth less than or equal to zero) and a continuous variable of the actual dollars of net worth of those who had a positive net worth (defined as a net worth greater than zero). Developing a separate negative net worth variable allowed this study to expand on prior research that focused solely on that aspect of net worth (Chen & Finke, 1996; Mountain & Hanna, 2012). Data was taken from the National Longitudinal Survey of Youth 1979 (NLSY79), using results primarily from the 2014 survey. A logistic regression was used to evaluate the negative net worth variable (Model 1) while an ordinary least squares (OLS) regression was used to analyze the influence on positive net worth (Model 2). This study found that present-fatalism increased the odds that an individual would have a negative net worth, while a future-orientation would decrease those odds. It found that present hedonism and future-orientation contributed to having a positive net worth.