That cash comes from not paying "interest". When you stop using credit, you will be amazed how much money you really have.
Consider the government pays a third of a trillion dollars a year in debt support. Wouldn't you like to have that back in the economy?
Your right, I will position us to pay no interest except the home note and maybe cars when they wear out.
Build up savings and then in an emergency we will loan to ourselves at 0% interest.