person A: I finally paid off my car and my house. Its such a relief and life with my family couldn't be simpler now.
person B: That's awesome. Debt really is an awful thing.
person A: It really is.  I've been under that burden along with medical bills so to be clear of it all is something I worked really hard for.  I am happy with life now and there's so much less stress.
person B: Glad all that hard work paid off for ya. I aspire to get there someday myself.