In a T-account, the total amount of assets must always equal the total amount of _______ plus owner's equity.

In a T-account, the total amount of assets must always equal the total amount of liabilities plus owner's equity. This is because of the accounting equation, which states that what a company owns (assets) must be balanced by what it owes (liabilities) and the owner's investment in the business (owner's equity). For example, if a bakery has $50,000 in assets, it might have $30,000 in liabilities, meaning it owes that amount to creditors. The owner's equity would then be $20,000, showing that the owner has invested this amount into the business. This balance ensures that the financial records are accurate and reflect the true financial position of the business.