Comment by OneFunFellow

That's normal and is why I count startup stock and options as $0.

Some recent threads:

https://news.ycombinator.com/item?id=25487130

https://news.ycombinator.com/item?id=25496166

https://news.ycombinator.com/item?id=25493646

https://news.ycombinator.com/item?id=25469435