I agree that it's not the same for people as it is for companies. And it's ironic that the rash decisions (read high risk) taken by companies often affects indi

I agree that it's not the same for people as it is for companies. And it's ironic that the rash decisions (read high risk) taken by companies often affects individuals. Being debt-free is a good financially and mentally, as you say. It's interesting that I am also in a similar situation as you -- I paid off all loans and then could afford to quit my job to bootstrap my company. We're in the same boat, and I'm enjoying every bit of it.