Model feedback: negative net worth

I’d love feedback on my models. Thanks!

C: my net worth is negative.
T: that’s a good indication I’m bad with money
F: anxious
A: avoid dealing with anything money, don’t learn more about creating or saving money, don’t like to check accounts or keep close tabs
R: I create more evidence I’m bad with money

C: my net worth is negative
T: I wisely borrowed money to get things that are more valuable with money
F: confident
A: learn more about finances, start to keep track of finances, think about trading money for value and value for money
R: I create more value and more money in my life