<prompt> Human: Over the last year I have gone from 38k to 21k in combined student loan, credit card, and auto debt. I currently have 11k in student loan debt and 10k in auto debt. At the current rate of debt reduction, I should be debt free in less than 12 months assuming there are no hiccups. I want to finance a new to me motorcycle 8-12k and figured I would wait until I was debt free before buying. I was recently told by someone that taking out a loan after becoming debt free is a terrible feeling. I know I can fit payments in to my budget, and the insurance wouldnt change much from the coverage of the current motorcycle that is on its last legs. I know many will say to save up and pay cash, but I would rather enjoy life while Im living it rather than waiting until after I have a house paid off and full retirement funds set up. I would appreciate any advice.  <response>: I was recently told by someone that taking out a loan after becoming debt free is a terrible feeling. If that is the only reason why youre thinking about buying now instead of in a year, then dont do it. Youre basing this whole decision of how somebody else experienced this. And maybe on some feelings of your own of wanting to do this, of getting permission of doing it earlier than you planned.Stick to your plan, pay down your debts first. 