I've never had debt. Ever. 52 years old. The only time I use a credit card is to order something; it's paid off at the end of the month. No personal loans, never a car loan; if I can't pay for it in cash I can't afford it.
That is ok if you never want to own a home or pay for college for your childern. I was being sirius not serious when I posted that siriusly.
Warning!! Handling a Hasselblad can be harmful to your financial well being!
Nothing beats a great piece of glass!
I leave the digital work for the urologists and proctologists.