Jessie has $3,000 in a bank account, $5,800 in a 401(k) plan at work, a car with a current value of $22,000, and a house that she purchased for $97,000 that has a current value of $115,000. The current balance of her home mortgage is $85,000, she has one credit card with a $3,500 balance, and a school loan with a balance of $7,500. What is Jessie's current net worth?