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@RustyCrab I paid off my student loans by the time I was thirty. I usually carry a few hundred in credit card balances; I could pay them off at any time, but my mom always said carrying a little bit actually helps your credit score (this sounds silly, but she's an accountant, so I trust her).

Here's the rub: Cars are expensive. Even used cars now. Even with a down payment, I can see even a responsible person carrying tens of thousands.

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I never understood this retarded push for college. If you're not going into a STEM career then what's the point? Only reason I ever attended university was due to a full scholarship. If not for that I wouldn't have even attended the "free" (garnered from tax slaves) public colleges.