what is: debt
like my parents make plenty of money (by working 4 different jobs) to not be "lower middle class" but with the money we ACTUALLY get that doesn't get nabbed by somebody else we're lower middle class
but from an income standpoint yeah
Trust me, I know debt myself
But if you want to include debt in your net worth, then it's only fair to also include assets.
Unless you've forgeted yourself over doing something stupid (like buying dumb stuff you don't need on credit, not paying it off, and letting it build up,) then that debt is coming from something useful, something that improves your class. Cars, a house, education, etc.
If you don't have that debt, then it's either because you don't have the things that debt bought, or you paid it off already
Plus, most people have debt. And most people in your same income bracket are going to have roughly the same debt. So it's a fairly meaningless comparison