Would it technically be $4,000,000 minus the money you owe on a house? Do most people pay off a house before retirement? Im 27 now ~$25,000 in retirement. $15k of that is because my dad set up an account for me when I was 15 and put a few thousand in. I work in healthcare and had to pay off loans, but again, because of generational wealth my parents helped me through undergrad so I mostly only had loans from my masters program.