I'll be the first to publicly acknowledge that we're in the negative. When you're 25 and own a house and two cars, it's hard not to be. We were a middle-class family growing up and that means you go through college and the younger years working hard and accumulating debt on the family-life necessities to spend the rest of your 20's and/or 30's paying off.
In today's society; it's more or less customary to live your life digging out of a whole rather than building a mound - obviously not the way it should be. While I'd love to be building wealth instead of debt - it's going to take time to right the ship before we can set sail. Both my wife and I earn a decent salary but when you want to live life with a house, two cars, two dogs and have nice things in your house, it adds up quickly and takes a long-time to pay-off.
We weren't always even middle class! :wink:
Even with medical bills, student loans, etc., we're doing pretty well in comparison to our peers (friends we grew up with who grew up in like circumstances). Upward mobility is the hard part, though.