You know which line of your list I like most ?

Become debt FREE !

All my life has went that way.
Being born and grown in past ussr ( I was 36 when that evil empire broke away) , where loans and credits were very very rear, almost unknown, I kept that habit (of not taking credits) - for the rest of my life.
Cars, house, real estate, TV's etc etc - everything I have ever purchased, was always paid upfront at full, usually in cash. No credits, no loans, no lease.
Never. Ever.

I know that for so many people, these days, this is very hard to imagine.
Never the less, I keep lining that way. And no sweat...