I decided to get a handle on my finances a year or two ago. This year's big goal was to get my net worth to zero.
I know, yes. ZERO.
I have student loans. this is something our country has decided is a good thing: crippling college graduates with outrageous loans, and discouraging potential college students from saddling themselves with a debt and education. Educated masses are no good for the route we are on anyway.
I have reached my goal: I am worthless. The positives slightly outweigh the negatives. (and, no, I did not pay off my student loans. I am too smart for that: the interest rate is lower than my savings account interest rate, and student loan interest is tax-decuctible.)
December is the time when I need to map out my goals for next year, but with career change hanging in the balance, I may actually end up bogging back down into the red. Leverage, I hope, for a future payout. But for now, I am just where I hoped to be: worthless.