<prompt> Human: Im 20 years old and have managed to avoid using my credit card much and Ive stayed off student loans Ontario OSAP. Everyone insists that I need to use my plastic and build credit so I can buy a house eventually or get a business loan but I have a love of being debt free.I know quite a few people who dig themselves into credit card or student loan debt and are constantly stressed about money or they try not to think about money at all. Can a modern human live a debt free life? Is my fear of debt baseless?  <response>: I lived 10 years using debt as a tool. Currently I live debt free and I feel like my quality of life has vastly improved. Stress level is down and Im just better with money overall. Living debt free forces me to live within my means. I pay into my retirement and savings before I spend any money on any wants. I think fearing debt will relieve a lot of other lifes fears. Go for it, I think its fantastic. 