We will be mostly debt free within the next 6 months I don't count utilities and the like as debt. We are waterfalling our debt and it works so well. We will still have a home loan but its down to such a low rate after the refi its very manageable. Besides I never really planned on the house being paid off. Got the payment down under four figures. including taxes and insurance. Ya gotta pay to live somewhere so that's pretty good. I can retire in just over 3 years if all goes as planned. Tough to sell such a sweet bike but its just a bike after all. Being out of debt is way more exciting.