I've always been of a "saving" mentality and debt worries me. I don't know exactly where that came from except that my parents always paid everything off every month. I don't think they ever had a car payment. One of the things I remember being repeated over and over when I was a child (and now, too) was "Actions have consequences." not just over money issues. I was taught that before taking an action, be willing to take the consequences whatever they are. It just so happens that a lot of the time I'm not willing to take the consequences. I think a lot of people don't want/haven't been taught to think that way over an awful lot of things. And I think it is something you have to learn; I don't know that it's something you're born with. I think that there's an "Oh, yeah" moment for getting out of debt. Someone in the thread said that they were shocked and amazed they could pay cash i.e. they realized that the consequence of saving money was to be able to pay something and not have to worry about the debt, the "oh, yeah" moment. I have debt right now and I hate it. But I chose to take it on to help a friend and I don't regret my decision but I do want it GONE. Thanks for an interesting post.