[impactbumper]

Mortgage only with 50% equity in it where i can write a check today. Cars are paid off, no cc debt, also no business debt either. I am 38. I learnt the hard way 7-8 years ago on the verge of BK and promised God, if I am given a chance I would never occur debt. Those were the times when i was starting my business and there were too many challenges. I busted my ass off, worked 18 hours and paid everything off.

I live a humble down to earth life.

Sometimes I envy my friends living in $700-800k homes, which probably i can mortgage easily, but at this point, I am after experiences. I want to travel, I want to visit different cultures. I am into fitness, so I do not go out, I do not drink, smoke, party. I do not dress up $500.00 jeans. I am okay though. I will never forget those days where I could not go to sleep worrying about what will happen tomorrow.

Now it is all about saving, and guaranteeing my family's future.

I pray God everyday to bless me with health and work, also steer me away from temptations. Unless life takes a tragic turn, I or someone in my family gets sick (pretty decent insurance too) I intend to keep going this way.