Are you in debt?

No, not for ten years.

Honestly who isn't?

The question could be ... what is your "net wealth"?

If one has 3 million of assets and a million dollar debt ... they are in GREAT SHAPE!

If one has $20,000 of assets and $12,000 of debt ... they are in a challenging spot and feel underwater

It is not the size of the debt, it is the net wealth "feeling"

*Note: It does not work that way in Canada or Europe

Not at all

Nope I may not have much but what I have is mine . At least for now.

Nope

I learned the hard way to never, ever have a joint account. So yeah, but it's not obscene. Way more than I'd want to have over my head though.

No and I haven't had a credit card for 20 years

Only the mortgage payment and single digit years left on it.

Fortunately no

Car finance.. that’s it.

Yes.

Yes.

Not really

A little

Yeah.

No.

No, not since I retired.

a bit.

Nope

Yes.