Oh, of course, if one owes "money" such as housing debt/mortgage debt or credit card debt or other things, then...whatever one has, that minus one's "debt", will be your "net worth"...
And "YOU", my friend,

, no ones know how much "value" is in "YOU"!
Say, after calculation, if your "net worth" is zero, "0",

then "YOU" are zero, "0"...