Paid off my 15 year fixed eight years ago and the final car loan two years ago.
ZERO debt.
LOL, I have not had a car loan in years.....I presently drive a 2006 Cadillac SRX and it’s the best vehicle I’ve ever owned.
Like you zero debt with the exception of a couple hundred bucks on credit card which I pay off monthly.
I swore to myself after I paid for my first new car, I would never have a car loan again. Still sticking to that many years later. Secret is being happy with something that is not shiny and new.