I'm curious as to how many of us here on the USMB dont have any debt whatsoever. I paid my debts off years ago and refuse to go into debt for anything. I have an emergency savings and a retirement savings account. Getting to the point where I had no debt was very difficult for me and involved years of sacrificing fun and spending on fun stuff. What about you guys? I put up a poll in case you dont want to state your situation publicly.