No you can't, that's not what "net-worth millionaire" is. Net worth is assets minus liabilities. If you had no savings or investments and a $100,000 house wit

No you can't, that's not what "net-worth millionaire" is. Net worth is assets minus liabilities. If you had no savings or investments and a $100,000 house with a $99,000 mortgage your net worth would be $1,000, not a million dollars.