This isn't a retirement account pissing contest (even though you seem to think that is a good measure of personal success), but I'll just say my net-worth is quite good, especially since I got into a significant house in the Arizona market back in 2015 before the COVID-fueled insanity ran prices way up. When I add on my retirement and investment accounts I'm pretty happy with where I am, especially considering I'll likely be working for another 20+ years (being 42 with a couple of young kids). Being an engineering manager for a Fortune 100 company helps out also.

Your "worth 20% less" statement also makes no sense, at least with respect to a 4Runner (albeit, for many cars it is a true statement including my Rover).

I purchased my Pro in November 2019 for MSRP (about $50800). For quite awhile it was actually worth more than I paid for it. My last check on trade-in value puts me right around $43K. Thus, I have not even lost 20% value in nearly 4 years and 50K miles.

My grand parents lived in the same rent controlled apartment for decades in Brooklyn and amassed a large sum through their frugalness. All of it got pissed away paying for assisted living and nursing care. Hope it was worth it.

BTW, enjoy your $50K cash in your safe. It could be earning you $2500 a year in interest with a simple deposit to a savings account. But I guess you don't trust the banks either probably.