I have about $15,000 on my credit card. $27,000 in student loans. $31,000 left on my mortgage.
I don't experience "debt" in a tangible or emotional way. I don't even consciously experience paying my debt every month, since it's mostly handled automatically. This is what I feel: If there is any excess money in my account when I die, then I was not living. (I'll never, never, never in a million billion years understand why so much emphasis is placed on one's financial worth when they die, such as 'he died wealthy' or 'he didn't die wealthy'. It has NO VALUE. Some people still have the mentality of ancient Egyptians, as if there is some way to transport wealth into the fictional afterlife. The only reason why I can think of amassing money you will never spend is to pass it on to other people. Even then, I don't understand it. I just don't see how accumulating money for the sake of money is interesting.)
My idea of freedom is not related to money. I'll be free when I get my own planet. In other words, never.