Considering that in the US our oligarchs have stolen much of the wealth of the entire nation, a significant percentage of the population has a negative net worth. This is by design. They are essentially getting as close to indentured servitude as they can.

Anyone who's been a college graduate with an above average job, a home, and a car, would probably have a negative net worth for quite a few years. It's been that way since at least the 90's.

Is this a European post I'm too American to understand? Plenty of people graduate college with tens or even hundreds of thousands of net negative worth. Getting to above 0 from that point is a big accomplishment, and could be considered "on-track" as late as your 30s depending on your income and savings ratio. That being said, I wouldn't say you should hope to be in America-levels of student debt, so maybe that's the joke and I'm just slow

Considering I owe a lot of money to a lot of entities and my bank account has a number with a - in front of it, I'd say you're doing pretty good.

Say, you wouldn't happen to know where a fella could get a pot would ya? I really gotta piss.