Comment by mckn1ght

This feels like one of those PEMDAS posts on facebook where everyone comes to different results and argues endlessly about it. So let me add my 2¢:

if you have 100K in equity and owe 200K on your mortgage, then you’re net -100K on your house

that combines with the 100K in the retirement account to produce a net worth of $0

Where is my mistake?