[timerol]

Note that a mortgage should not lead to negative net worth in the general case. Because you own a house, a mortgage with 0% down payment should have no immediate effect on your net worth. There are people who are upside-down on their mortgages, but that isn't the common case.

[kpwagner]

That's true. I misread the chart anyway, so it isn't necessarily saying anything about debt levels.