You will have to pay to live anywhere except a Starbucks bathroom,Therefore you shouldn't count your home as your true net worth. its just a pile of wood and bricks that keep the sun and the rain off your bed.
people who place value on things instead of others, are some of the most shallow people i have ever met. Like HOA board members and other karens!
Your net worth is inside you, not outside.
I never understood their logic. My house is paid off. Its not making me any money
Your most valuable asset is your ability to work.