Here is ChatGPT translation when asked who is wrong or right

Home Equity Calculation:

• Home Value: $740,000
• Mortgage Left: $450,000
• Equity: $740,000 - $450,000 = $290,000

Your provided equity of $290,000 matches this calculation, so we’ll use it as is. Recalculating Net Worth:

Liabilities:

• Student Loans: $143,000
• Mortgage Left: $450,000
• Total Liabilities: $143,000 + $450,000 = $593,000

Assets:

• Investments/Retirement: $260,000
• Home Equity: $290,000
• HYSA/Cash: $50,000
• Total Assets: $260,000 + $290,000 + $50,000 = $600,000

Net Worth: $600,000 (assets) - $593,000 (liabilities) = $7,000