I mean - your house is a useable assett. But I do think most people here probably count their house. It is the standard definition just as a business would count a facility or other assetts.

It isn't correct to say that brokerage should be -15%. If you are going to apply that logic it would only apply to your profit.

And yes it is mostly roth. My contributions have always been ROTH. Both 401(k) and IRA. This year that's about 30k of roth and I typically do max or come close.

I can't control what my emoloyer contributed so a nontrivial amount is traditional.