Well, after depositing a significant sum from the sale of some bass gear today, I paid off my credit card down to zero and I am officially debt free for the first time in over 2 decades. I have a fairly modest income. It took years but I got there through responsible saving and selling stuff I don't really need. I do still have a mortgage, but if I were paying rent it would be about the same amount so not a problem in my mind. Now the challenge is to remain debt free and even start saving. Are you debt free? How did you get there?