[Myrddin]

I own two houses free and clear today. All my vehicles are free and clear. Credit card balances zero. I did make the HELOC mistake with my home in CA. The sale and move to ID was an opportunity to avoid prior errors. 22 years and stable.

[Sergio]

I could learn something from you. We’ve got less than 10% left to payoff the house. We too made “re-financing” mistakes along the way. Cars are paid off, but we keep them about 15 years. Had some issues recently that made us dip into savings and use the credit cards so we have to tighten up for a few months.

Like you, we had to learn the hard way, and those seem to be the lessons that stick with you the longest.

Congratulations on your financial independence.