I'd just like to hear from how many people who have "zero debt" on this forum who are posting about how responsible they are:

1. Aren't living off their parents
2. Have kids
3. Earned all their money themselves.

I'm sure there are some, but it's a lot easier to be all high and mighty about your values when you're either still living with/off your parents, have no kids and nobody else you're beholden to, or have acquired a lot of money through parents or other means.