Including student loans I have a net worth of negative 75 thousand.
That's just precious. Bless your heart.
Remember this post when you become rich next quarter. Remember it ten years down the road when you realize that you've been working at one or more "good" jobs for a decade and still own outright little more than some clothes and consumer electronics.
The jobs we're constantly being told are well-paying, desirable jobs are no longer capable of paying for a modest home in a decent neighborhood in under a full life's work. Sure, they look great compared to a job that pays half as much, but it's only the difference between brick and a half bath in the end.
Here's the real power of being born into wealth: Any productive thing you do immediately compounds your net worth. You aren't born with one or more handicaps, be it need of schooling, housing, or whatever that need to be fully serviced before your income can actually accumulate. Being born into even modest wealth means immediate traction.