I follow it as close as can. I have a mortgage and that is my only debt. Don’t plan for that to change. I have a 2002 model truck that will need replacing in 2-3 years. I’ll pay cash when it’s replaced to the tune of 30-40k I’m sure. Ole lady will need a vehicle in a few also, will be bought cash also. It’s not easy to steer clear of financing but it’s damn sure rewarding knowing your not stuck in debt up to your eyeballs.