Agree with others that who care's about these arbitrary labels about "debt-free".
But I wanted to give you some unsolicited advice regarding the quoted section below:
I've been trading/investing in individual stocks/bonds/commodities/currencies since 2011, but basically just broke even until 2017 when my skills finally came around.
Stop.
If you had invested in broad market index funds, you would have at least tripled your money since 2011.
Your skills didn't magically come around for you to finally break even. What has happened is that the market is performing so strongly that it finally overcame your incompetence as a stock/commodities picker.
This is true. I guess I’m too much like my grandpa. He’s over 90 now, was nothing more than an accountant, lived somewhat frugally and invested and traded aggressively (he still does today, even at his age). He’s worth probably $10 million+.
If I had just invested in VTI, I would have almost the same amount of money that I have now. But I wouldn’t have learned all the things I did by reading close to 100 trading/investing books, learning to think in terms of probabilities, learning to think like an investor, becoming objective, controlling my emotions, etc etc. It was an experience I wouldn’t trade for anything, and I’m so grateful I pursued it despite the discouragement from most of my friends, family and websites like this. Even if I never made a nickel from it, the experience and transformation of my mind has been worth it.
That being said, I was up over 100% in 2017, over 80% in 2019, and so far I’m up 33% YTD.