You listed your liabilities, but what does your "Assets"
column look like? What have you got in cash savings and retirement accounts? Where's the other half of your balance sheet?
This is really the key. Debt can be a tool when used properly (though I will avoid it if at all possible) as you still have equity in the things that are collateral on the loans but able to purchase them on (ideally) managable monthly terms. They have a value that offsets the debt.
I don't consider the debt a particularly bad thing, except most people 1) get interest rates that are ridiculous, and 2) accumulate far larger amounts than are reasonable or sustainable. Remember that if the interest rate is decent, and you have a good downstroke (i.e. down payment), a small debt on something could make sense as you could sell it and pay off the loan. I.e. if you borrow 5 grand at 3% on a new 15,000 dollar car, you have $10,000 in equity (roughly) from the get-go, and really not be out much in interest in exchange for the security of $5k in liquid cash. If it gets worse, you are right-side up in the car and can sell it if need be.
Back to the balance sheet, you really could include things like computers, furniture, electronics, etc... as we spend considerable amounts of money on these things. However, for simplicity, most people lists things they can sell for a good chunk of change relatively easily (cars, houses, boats) as well as their liquid and long-term savings.
$38,000.00 Kasey's 401(k)
$2,068.99 Kasey's Pension
$6,000.00 Truck Value
$6,000.00 Jeep Value
$6,000.00 Roth IRA
$3,310.69 Cash Savings
$21,740.00 OK Student Loan 2.22%
$3,296.00 US Student Loan 4.30%
$20,000.00 Lindsey Student Loan
$- Credit Cards
$16,343.68 NET WORTH
I wouldn't be all too worried at this point about the enormity of the $50k in student loans, but the other $45k in stuff needs killed pronto, especially if you are anywhere close to being upside down on the vehicles.