> It really isn't as impossible as it sounds to go debt-free, especially with a high paying tech job many here likely have. I don't disagree, but it's somethin

> It really isn't as impossible as it sounds to go debt-free, especially with a high paying tech job many here likely have. I don't disagree, but it's something you would need to be proactive about, and as you say there has been little incentive to do it, both from a cultural perspective and from the perspective of monetary policy. I guess what I'm getting at is that it seems unfair to expect people to be debt free in a society which so often requires and incentives debt. I struggle to blame a 20 year old tech worker for going to college and taking on debt, or buying a home with debt while interest rates were low. When the majority of the population are in debt perhaps it's not the fault of the people, but the incentives of the system. As a society if we don't want people taking on debt we shouldn't encourage it, and if we do encourage it then we should probably be compassionate for those in debt where they were acting reasonably.