Would you consider your total CPF amount as part of your personal net worth calculation?

Yes, I would consider my total CPF amount as part of my personal net worth calculation. This is because CPF savings would form part of my retirement savings that I could tap on for healthcare and daily expenses during old age. CPF money is still my money after all.

I only consider OA and SA as part of the net worth. MA is too illiquid to consider and the amount is not really big, so I just exclude it.

Yes i would consider CPF to be part of my overall networth because it is indeed money which can be used to purchase your house, investment and for healthcare purpose. But if i want a clearer view of my portfolio, in my tracking excel, I would have 2 categories - liquid and illiquid cash holdings to have a clear view of what is the amount that i can tap on for any emergencies for instance.

Not for me. I actually treat CPF as a bonus to whatever my cash and investment networth when I retire in the future.

In the meantime, all i focus on is growing my cash and investments. Something that I can see and touch.