Johnson knows how to measure risk.

At work, he studies probabilities, losses, and worst-case scenarios. At home, he tells himself the long hours are temporary: ten more years of sacrifice, and his wife and children will have the secure future he has promised them.

Then one ordinary March morning, on the familiar thirty-kilometer drive to Buffalo, Johnson reaches for his daughter’s muddy toy unicorn. A deer breaks across the road. In the violence that follows, the future he has been building collapses into the present he has been postponing.

Pinned in the wreckage, with time thinning and memory closing in, Johnson is forced to confront the real cost of every missed breakfast, every delayed conversation, every “later.”

Net Worth is an intimate, suspenseful novel about family, responsibility, and the question no spreadsheet can answer: what is a life worth if you are never fully there to live it?