<prompt> Human: Here is a bit about me:I paid for my freshmen year of college from savings I had since I was very young, helping my parents with odd jobs where they kept a savings account for me. My sophomore through my senior year I worked part time and took out financial aid to continue my education. My junior year I got a credit card which I paid off in full each month without carrying a balance.Right after I graduated I landed a fairly decent job. I also had to purchase a new car, which my parents paid for in full. Within the next year I paid off my loans in full and my parents for the full value of the car.And here we are now. I have no loans, no debts at all which is an awesome feeling. I have a Discover credit card with I think an 5,000 credit limit that I use about 800 worth each month that I pay off and rock out with the cash back I get.My question is, am I screwing myself over in the future when I need a car or house loan? Ive only ever had a student loan which I paid off within 6 months after the grace period for making payments. Right now Ive finished building up an emergency fund and I am working towards earning another 3,000 to start putting into a Roth IRA. Ive always sort of thought of interest as wasted money so I try not to pay interest on anything I dont have to 650ish of interest on my student loans is ALL of the interest I have ever paid in my life.Am I doing things right or wrong?---Edit: Realized this post can come off as circlejerky. Im honestly wondering if only having 1 loan and 1 credit card are going to hurt me. I only went into detail to explain that the one loan I did have I paid off in huge chunks in a short period of time.  <response>: Youre not normal.In this case, thats a good thing. 