About 13 million U.S. households have negative net worths, meaning their debts exceed the total value of everything they own, according to 2019 data. That was roughly 10.4% of all American households at the time, based on the Federal Reserve. Find Out: What Class Do You Actually Belong To? The Income Breakdown Might Shock You Read Next: 6 Subtly Genius Moves All Wealthy People Make With Their Money Most people in this situation don’t realize it until they actually calculate the numbers. Here’s how to figu ...