I zero payments besides my house payment. It feels good knowing everything I own I paid for and can never be taken away. I've lived with the moto you can pay cash you don't need it. I've had 1 credit card my whole life,why pay someone intrest on money I have sitting in the bank already? I would never finance anything again. Since we have no car payments we put 500 a month to side like we do so we can go pay cash for a new car when we save up enough.