Made this thread almost 9 years ago and my net worth is 12.5 times what it was back then. I still don't own any property other than a car. It's really all stock investments and retirement accounts.
I will openly admit I have not been smart or frugal with my money at all. I've done dumb stuff like buy a brand new car in 2024 then trade it in and buy another brand new car in 2025.
My deal is I keep my total debt at under $12K right now it's at $8.3K and $7K of that is the car. The other little over $1K is just monthly spend for living expenses and discretionary spend on credit cards I pay off monthly.