Have about 10 grand in CC debt, yes some of that is from my pins/garage conversion.
BUT-
Own my car. Have only 7 years left on my mortgage and actually have equity in my house. Have all college loans paid off. No kids = No kid bills currently or in the future. Have 2 retirement accounts + pension fund. Wife has nice job also.
Some debt is necessary, don't know how some of the people above do it?
Are people on here not counting college loans, mortgage payments and car payments as debt?