Good post. But think about this… If you came into some money, how easy would it be for you to just pay off / pay down what you now have and leave it at that? Granted I know this depends how much $ you come into and all, but I think you know what I’m getting at.
If one is used to “living above means” as you said, how easy is it to just maintain a lifestyle where you are not in debt / making payments?