I'm staring at needing to use my credit card more than I ever have, because I just bought my first rental property and it needed various minor fix-ups, and I don't have a tenant yet for Dec 1, which is when I was hoping to get it occupied. So I may have to ride the debt roller coaster for a little while until I get the place stably occupied. It's a little scarey but at least I know the property will hold its value.

Congrats on getting out of debt. A consummation devoutly to be wished. Bravo.