I am on my way to being debt free. I went through a divorce in '08 that left me with some debt. I just bought a house in October (by myself, not mommys money). I will be putting 8% into my 401K, with a good mix of mutual funds that have good growth. Oh yeah, plus a betting bankroll that I can make 8 to 15% on each month. No need to dip into anything else but the bankroll for betting. I would say in about a year, I will be set. No credit for me, that FICO score can kiss my ass. Even though I am over 750. 
Even right now, my son and I live pretty comfortable. Even when Murphy's Law comes calling, I have the funds to hang up on him.

Even right now, my son and I live pretty comfortable. Even when Murphy's Law comes calling, I have the funds to hang up on him.
