As the most financially successful one in my family, I get a lot of resentful and snide remarks from some of them along the lines of "Not everybody can be as lucky as you." Well, my secret has always been living within my means and not getting into debt. I have no credit card debt, no car payments (I always buy used and pay cash for my cars) and only a modest mortgage to contend with. I tell these people that I don't use credit cards because "I can't afford the interest." I'm sure it infuriates them.
There are two types of people in the world. Those who borrow money and pay for doing so and those who lend (invest) money and get paid for doing so. I just prefer to be in the latter group. I hate making payments on loans and credit cards and I can't wait to get my mortgage paid off so I can be truly debt free. Of course, you can look at a mortgage as "paying yourself," for as I pay it, I build up my own equity. When you pay off a credit card, you are only reducing debt and doing nothing positive for your bottom line.