Afamily with $45,000 in assets and $22,000 of liabilities would have a net worth of

$23,000

Explanation:

The net worth of a family is calculated by adding all the family's assets and subtracting all their liabilities:

$45,000 - $22,000 = $23,000

A family's net worth continually changes depending on your current and future income, and your estimated spending, specially what percentage is spent through credit.