my credit and debt happiness..i have little to do with it.
it's my wife. she just knows how to handle money. i owe it to her. we went 7-8 years with just me working, and her going back to school...and i have (it's modest) more cash than ever before.
i'm far from rich. in CA, i might be considered poor
it's nice to have money do some of the work for you..and that kind of debt is alright.