re: Anybody here completely debt free?

Yes, but we don't own a home any longer.

I'm sure we will be back under a mortgage in a year or so

OP: Can't answer the question as stated. Whatever I have was obtained on the backs of others.

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This thread just had me decide to look into refinancing my mortgage... Gonna try and move from a 30yr (28 yrs left) to a 15 year.

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I did 2-3 years ago and took the advice of some other posters and went with PenFed. 2.5% 15 year.

Paid off Mortgage a year ago.

Paid cash for new truck

Debt free

No consumer debt ,no mortgage, but pay taxes and insurance on the house which is still substantial. I am 60, when I am 69 or 70 we plan to sell this place and rent for the remainder of our days. We do not want the responsibility of owning then, and it will give us the ability to just give notice, pack up, and move to other interesting areas if we choose. The money gurus would say none of this makes any sense based on the math, but it feels right, and doing what felt right is how we got this far to begin with.

at the moment, i have zero debt

haven't used my credit card this month and no bills

greatest feeling in the world not having that weight on my shoulders


all my sucker friends who got student loan debt are regretting getting their masters

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love when the amateur hedge fund managers show up in these threads. 

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Well, first, this is a money thread in the OT, so it's a free-for-all. Second, you know nothing about me or my experience and yet presume to indict my resume. Third, rather than make a childish, sarcastic ad hominem attack, why don't you attack my statement?

For most employees, the only major non-dependent deduction available is mortgage interest. And as discussed above, mortgage interest rates are very low. It doesn't take Warren Buffett to analyze opportunity costs in this context.

Or just be a smartass.

This.

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all my sucker friends who got student loan debt are regretting getting their masters 

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Even at a crappy interest rate compared to mortgage rates, and the limited-at-best ability to deduct student loan interest, it was far and away my best investment.

Even as someone who uses debt to his advantage, I can see the psychological benefits of being debt-free, so I'm not judging. But the Dave Ramsey crowd often doesn't seem to reciprocate the courtesy. That's fine. To each his own.

Now I will say somewhat dogmatically that carrying consumer debt is an abomination.

You're only 1 major medical incident away from financial ruin.

Enjoy life.