Originally Posted by Amethyst
So up till age 28, it's OK to have a net worth of zero?
Zero at 27. Negative before that.
That's the idea behind at calculation, by that age you've been out of college for only a few years, so you likely have large student loans, car debt, only a few years at a job (if you found work out of college) so little or no retirement savings, etc.
If you don't have that debt (such as no college loans) at 25 or whatever, by that calculation you're ahead of the game.