I'll let you know in about 2 years when I hit the 10 yr mark for being debt free. No credit cards, no loans, no promissory notes, nothing!
It's really not difficult to attain. All one must do is prioritize one's life and determine the difference between "needs" and "wants." Of course that also means getting rid of the mentality that you are entitled to "stuff" just for breathing and taking up space.
“Liberalism is totalitarianism with a human face” - Thomas Sowell
“What "multiculturalism" boils down to is that you can praise any culture in the world except Western culture - and you cannot blame any culture in the world except Western culture” - Thomas Sowell