So things in life go rolling along. I'm 34. Last year I took out a 10K car loan and got myself a new car. This year I've paid off my school loans, credit cards (and then canceled it) and so far, have paid off about 2000$ on that car loan. I rent, and have no real intentions of buying a house anytime soon..if at all. I'm ok with renting and randomly moving as need be. My girl who I've been with for 7yrs has her own place and we don't/won't be having kids. As I erase all previous debts..I'm finding I like the idea of not owing money to anyone. I like the freedom. I know in our society it's designed so as we're always supposed to be in debt..Make sure you have credit cards and pay on them and keep in debt cause it builds credit etc etc etc..But I'm kind of tired of living that way. I like being debt free. My girl has concerns, and I debate it as well..cause who knows what the future holds..as i pay off my debts, more and more of my paycheck again becomes mine, and it's to the point where I made almost 1000$ extra per month that I really don't spend. And once car is paid off, that'll be the exact figure each month once rent and utls are paid, that I'll have free and clear. I never owe on my taxes, always make about 1500$ back..so, I'm doing ok. I just don't feel the need really to take out anymore credit cards, make payments etc etc..anyone else live like this and manage? Can you get by without living off credit? Or should I just throw myself back into the system, get another card and just start it all over again?