Net worth and retirement readiness are not the same number. A $400,000 house you live in produces zero income in retirement. $400,000 in VTSAX produces around $16,000 a year at a 4% withdrawal rate. Same net worth. Very different retirement.

@CompounderQuiet There's many people who are millionaires on paper who still struggle to pay for groceries because it's all locked in their driveway. Liquidity is the ultimate flex.

@OffensiveWealth Bingo… too many cases like this unfortunately