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.

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

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

Fortunately no

Car finance.. that’s it.

Yes.

Yes.

Not really

A little

Yeah.

No.

No, not since I retired.

Nope

a bit.

Yes.