We too are completely debt free (paying off all debts after 5 years of work!).
As another example of what it is like on Step 7. You save for what you need and then you bargain with leverage. We needed a new roof, siding and garage doors. All looked terrible and were just about completely worn out.
'Normal' would have taken a Home Equity loan and been dumb with Debt. But we started a 'RoofSidingGarage' savings account with automatic deposits and started dumping as much as we could; just as if paying off debt (except for the beans and rice). The three held up for a year and a half and we saved up $17,000 for the project and just got it done.
This is definitely "Weird"!
Here are some photos if you would like to see: https://www.dropbox.com/sh/1744ljejwloa73o/Hx3BUHR1au
Great job! I bet you were able to negotiate a great deal too!