<prompt> Human: Im 31 years old, and until recently, I thought I was saving a lot. But according to the millionaire nextdoor calculator which apparently is pretty popular, Im an under accumulator of wealth Im married, my household income is 210k, I have 330k in savings, but owe 225k on my house. No other debts. Anyways, I feel like Ive either been living in ignornace thinking I was saving enough, or maybe that wealth calculation isnt realistic?I know this community has members who probably have used various tools for determining if they are saving enough, so was I was hoping to get some opinions on my current situation, ideas for other methods to determine target networth by age and should that include my mortgage?, and finally, to get an opinion about the millionaire nextdoor networth targets they seem unrealistic, but maybe Im just ignorant.Thanks for your help  <response>: Theyre crazy. Youre doing much better than most, especially with that income at 31. 