[Porsche-O-Phile]

Keep it. As much as I like the idea of being debt free I really don't think there's any such thing. You'll always need food, shelter, clothes, transportation, fuel, etc. even if you own your car (I do - I hate car loans) you still have to buy tires, oil, gas, maintenance, etc. even if you own your home you have to pay upkeep, utilities, insurance and taxes (you don't ever own real estate the government does - if you don't believe me don't pay the tax bill and see what happens). You need health insurance coverage (unless you're VERY foolish and rolling the dice going without), etc.

Maybe some wouldn't consider those things being the same thing as "debt" but I don't. They're all things that keep one having to work and "on the treadmill" unless you've got a huge inheritance or astonishingly good investment revenue to cover all that, or are retired and on borrowed time hoping to die before your money runs out.

Yes there's something to be said for having LESS that you have to come up with each month but there's simply no such thing as being entirely free of it. In that context I say do what makes you happiest and don't fret the money bit so much.