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Congratulations! I am a bit older, but when we became debt free, the hardest thing was to resist the temptation to splurge and spend all that extra money you now have in your jeans on more stuff.
We did a few months of that and when we figured out that we actually were having trouble paying the bills even without a mortgage payment, we got some sense and went back to our old lifestyle and just had the equivalent to the mortgage payment automatically transferred to our investment account.
Thanks to that, work is now optional for me....and yes, I still have a healthy car budget to spend on my toys....
Enjoy!
Dennis
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