Is the goal to die with the most money owed cause if it is I’ve got that prize. If you are debt free well I don’t understand it.  How do you have anything without a fat mortgage to pay for it.  Us working stiffs are destined to die poor and in debt.  The real goal is to have more toys.  Well go buy some toys on the credit card and soon you will be drowning in debt.  The best plan is to pay your bills and hope for the best.  Joe Olujic is deep in debt and will be giving me a run for the prize.