Same here - house paid and both cars clear. Only "debt" is monthly credit card bill because we use it as a convenience instead of a way to buy stuff we can't afford. Retirement looks a lot nicer when you have a little saved up and your retirement/SS take care of necessary bills with a little left over. I don't know why a lot of folks I know don't have nervous breakdowns with their debt and no real retirement to rely on - I would be a wreck. of course, knowing that about myself helped me be able to deny myself of some things to plan and prepare...
I use my CC like cash and pay it off several times a month on line. When I started to do that 9 years ago it was hard because I didn’t think of it then as paying something that I “owed” but rather as paying something someone else was making me pay. It is easy to think well I need that money for something else right now so I’ll just put it off. That way lies debt slavery. I eventually got to where it is a game to keep that balance number at zero. I even pay cash for my cars so I drive a ratty reliable 18 year old car. It helps that I don’t smoke or drink any sodas. Those two items used to keep me with no spending cash. I didn’t realize just how expensive those two habits are until I stopped.
I have a sister and a brother who have never held down enough jobs to get ss. Of course, sister says my father OWES it to them to support them- which he doesn’t, of course.
Typical loser dems. Oh, and they skip on paying bills, along with my mother, have crappie credit, but it is everyone else’s fault.
And, no, I am not in contact with the lot of them.