People who can stay financially debt free deserve a pat on the back because managing a budget requires diligence and effort. It is a great feeling when we pay an account in full, so to owe no one must be even greater. Even so, as long as we are in this life we will always have two debts we'll never be able to pay, and I'm not referring to money. One is to God, for the unreachable cost of our salvation and the second is to our fellow man to love and share the gospel with. (See Romans 1:14 and 13:8) Are you paying your debts?