RE: A Little Something In the Pocket

Being debt free is the thing to aim for.
Seriously.
It changes everything.
Clarity ensues.

It's hard to be logical and focused when your entire existence has a dark shadow hovering over your head - 24 hours a day, 7 days a week. (ewwww)

Being debt free allows you to truly breathe.

It can make the nicest of people become total wankers...But, that's on the individual, is it not ?
Debt is (for the most part) ...a 100%, 'opt in' exercise.
(I see it as a kind of 'monetary IQ test')