Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

How smart is it to really be 100% debt free?
No matter what, it is never a bad decision to go 100% debt free.  However, you can make debt work in your favor in some cases (investments, education, etc.), but you need to approach it with a plan and long term strategy. Interest, fees, and loss of value can quickly eat up any gains.