We have some things..house, SUV, pickup truck, TVs, computers. They are all paid off completely. I have no debt and I like it that way. I don’t have all the things, though.(boats, vacation homes, RVs, etc) because I don’t want to spend and/or waste the money and I don’t want to have a payment. When insurance payments, property taxes, income taxes come due, I know I can swing it. Or if an unexpected medical emergency (hope not) happens, I know I can also manage it. Do they ever consider that? Life is full of surprises...good and bad.